Welcome to modern renting with Patch

Improve your Credit History. Rent your Deposit.
Find your Perfect Pad.

Built for you in partnership with Experian Experian

What is Patch

What is Patch

Game-changing services for tenants to make renting easier.

Game-changing services for renters

Step 1
Patch Rent Tracking

Patch tracks your rent payments and this builds your Experian Credit Report. Rent Tracking is 100% free.

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Step 2
Patch New Deposit

We pay the security deposit (up to £4,000) on your new home and in exchange you pay us a small monthly subscription.

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Step 3
Patch Existing Deposit

We refund your current security deposit back to you and in exchange you start paying a small monthly subscription to Patch.

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Friends in official places

Patch has been built in consultation with the government-backed deposit schemes to build the best renting experience for tenants, agents, and landlords.

"Patch is one of the best ways to improve your credit history and it's completely free."

Jeremy B
Bath, BA2

"Patch Rent Tracking is a no brainer. It improves your credit history and it's free. Brilliant."

Alex H
London, SE22

Join more than 100,000 renters already using Patch.

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Frequently Asked Questions

What is Rent Tracking?

Rent Tracking is a new way of boosting your credit history. We track your rent payments to your landlord or agent. If you pay on time, we report this to the credit reference agency Experian and they add this information to your credit report...

How much does Rent Tracking cost?

Our Rent Tracking service is free to use.

How does Rent Tracking work?

It's very easy.

  • Sign up to Patch
  • Connect your bank account
  • Pay your rent
  • Patch reports your rent payments to Experian
  • Your credit history improves

How does Rent Tracking improve my credit history?

Your credit history improves each time a new, positive record is added to your credit report such as making a payment on time. Your rent is a now qualifying payment.

How do I see what you've tracked?

You'll start receiving the benefit of Rent Tracking as soon as you sign up. You won't actually be able to view the information in your Experian credit report until around three months after signing up...

What if I change property?

Not a problem. It's easy to continue Rent Tracking. Log into your Patch account after you make your last rent payment to your old property and let us know about your new place...

What is a Patch Deposit?

Patch will pay the security deposit on your new home, or send your current deposit back to you, in return for a small monthly subscription.

Will my landlord or agent accept a Patch Deposit?

Yes. We send your landlord or agent a traditional cash deposit. To your landlord, it's the same as if you'd sent the deposit yourself so there's no need to tell your landlord or agent that you're using Patch.

How does a Patch Deposit work?

It's simple...

  • Create a free Patch account
  • We let you know upfront exactly how much your monthly subscription will be
  • You tell us when and where to pay your deposit
  • We send your deposit, in cash, directly to your landlord or agent

What if I haven't found my new place yet?

No worries. Your deposit can be preapproved for up to 30 days.

What do I need to do to be eligible for a Patch Deposit?

To apply for a Patch Deposit you need to be a UK resident employed with a regular income, hold a UK bank account and be 21 years old or over...

What does a Patch Deposit cost?

We charge a monthly subscription payment based on your deposit size and overall credit profile...

Can I use Patch if I've already sent my deposit to my landlord?

Yes. If you've got savings locked up in an existing deposit and need them back for an unexpected expense Patch can help.

Will Patch work with my property?

Because we send a cash deposit directly to your landlord or agent, Patch works with any deposit, on any property, anywhere in the UK.

What's the maximum amount I can unlock?

We can unlock any deposit from £300 to £4,000. The maximum we can offer you within this range depends on your personal details.

What does a Patch Deposit cost?

We charge a monthly subscription payment based on your deposit size and overall credit profile...

I've got housemates. Can I still get a Patch Deposit?

Yes. As long as you pay your individual share of the deposit directly to your landlord or agent, you can apply for a Patch Deposit.

How long is a Patch Deposit for?

Your Patch Deposit remains valid for 12 months or until your tenancy ends, if earlier...

Join more than 100,000 renters using Patch

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  • Tracking your rent is 100% free

  • Build your Experian Credit History

  • Benefit from other great Patch services

  • Signing up takes less than 3 minutes

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Download our free app and access over 300,000 rental properties from your phone.