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Discrimination protections under the Renters' Rights Act

Discrimination protections under the Renters' Rights Act

Key takeaways
  • From May 1st, 2026, it's illegal for landlords and letting agents to discriminate against tenants because they have children or receive benefits.
  • This applies to every stage of the letting process: advertising, viewings, referencing, and granting a tenancy.
  • "No DSS", "professionals only", and any other wording that filters out benefit claimants or families is unlawful.
  • Discriminatory clauses in tenancy agreements, superior leases, mortgages, and insurance contracts are void.
  • Local authorities can impose civil penalties starting at £6,000 for a first breach.

If you've ever been told a property isn't available to benefit claimants, or been turned away from a viewing because you have children, you already know how discrimination works in the private rental market. 

"No DSS" listings were banned by courts under the Equality Act in 2020, but the practice continued in subtler forms: "working professionals only", income thresholds that excluded benefit income, and referencing criteria designed to screen out families.

From May 1st, 2026, the Renters' Rights Act makes this a statutory offence with serious financial penalties.

What is rental discrimination?

Rental discrimination is when a landlord or letting agent treats you differently because of who you are or your personal circumstances. In the context of the Renters' Rights Act, it specifically means treating a tenant or prospective tenant unfavourably because they have children or because they receive benefits. 

Sometimes it’s obvious, sometimes it isn’t. A landlord who tells you outright that they don't let to families is discriminating. But so is a landlord who suddenly stops responding to your messages after you mention your child, or a letting agent whose referencing criteria are designed to quietly filter out anyone on housing benefit. 

What matters under the Act is the effect, not the intention. If the outcome is that you were treated less favourably because of your children or your benefits status, that's discrimination, whether the landlord meant it that way or not. 

What the law says

Sections 33 and 34 of the Renters' Rights Act make it unlawful for a landlord, or anyone acting on their behalf (letting agents, referencing services, property managers), to discriminate against a person because they have children or because they receive benefits.

The definition is deliberately broad and covers anything that makes a person less likely to rent a property, or prevents them from renting it, because of their children or benefits status. That includes withholding information about a property or its availability, preventing someone from viewing it, refusing to grant a tenancy, and applying different terms or conditions.

Decisions based on something the landlord believes to be true count as discrimination even if the belief is wrong. If a landlord refuses a tenancy because they think a prospective tenant receives benefits, for example, that's discrimination, whether or not the person actually does.

What counts as rental discrimination?

The Renters’ Rights Act contains several provisions that cover the full lifecycle of the tenancy, from advertising all the way through to during the tenancy. 

  • Advertising — Any listing that says "no DSS,” "no benefits," "working professionals only," "no children,” or any equivalent wording is unlawful. This applies to listings on Rightmove, Zoopla, OpenRent, SpareRoom, social media, and anywhere else a property is advertised.
  • Viewings — Refusing to let someone view a property because they mention children or benefits during an enquiry is discrimination, as is cancelling a viewing after learning a prospective tenant has children or receives housing benefit.
  • Referencing — An income threshold that treats benefit income as less valuable than employment income is discriminatory. Landlords can set an affordability requirement, but they must treat all forms of income, including benefits and state pension, equally. Referencing that automatically fails applicants receiving Universal Credit or housing benefit isn’t compliant.
  • Granting a tenancy — When choosing between multiple qualified applicants, the landlord cannot factor in whether someone has children or receives benefits. If two applicants both meet the affordability requirements, preferring one because they don't have children is discrimination.
  • During a tenancy — Discriminatory clauses in existing tenancy agreements are void from May 1st. If your tenancy agreement says you can't have children living at the property or that you must not receive benefits, those terms have no effect.

Affordability exceptions

There are some affordability exceptions to the discrimination rules. Landlords are still allowed to set income requirements, and they can refuse a tenancy if a prospective tenant’s income, from all sources, doesn't meet a reasonable affordability threshold. That's not discrimination.

What they can't do is treat benefit income differently from earned income. If the affordability requirement is that rent should be no more than 35% of gross income, benefit income counts toward that figure on the same basis as a salary. A landlord who sets the bar at £30,000 earned income and refuses a tenant whose £30,000 includes £12,000 of Universal Credit is unlawful discrimination under the new rules.

If a prospective tenant can demonstrate they meet the stated affordability requirement and are still refused, the local authority should investigate whether the refusal was motivated by benefits status.

Children exceptions

There’s also one narrow exception for children. A landlord can restrict children from living in a property if they can demonstrate that the restriction is a proportionate means of achieving a legitimate aim. The aim must be genuine and must not itself be aimed at discriminating against families.

The most common examples are retirement housing and purpose-built student accommodation. Even where the exception applies, the restriction must be the minimum necessary to achieve the aim.

A general preference for tenants without children is not a legitimate aim, nor is a belief that children cause more wear and tear or could cause damage to the property. A concern about noise in a shared building is also not a legitimate aim on its own. 

Discriminatory clauses in existing agreements

Discriminatory terms don't just become unenforceable for new tenancies. The Act reaches back into existing agreements, leases, and financial products.

  • Tenancy agreements — Any term that stops you from having children at the property or from being a benefits claimant is void as of May 1st, unless one of the narrow exceptions applies.
  • Superior leases — If your landlord's lease with their freeholder or head landlord prohibits benefit claimants or children, that term is also void as of May 1st. Your landlord can no longer use it as a justification for refusing you a tenancy.
  • Mortgages — Mortgage terms that restrict landlords from letting to benefit claimants or tenants with children are also void. This removes one of the most common excuses that landlords have previously used to filter tenants.
  • Insurance — Discriminatory terms in existing insurance policies remain in effect only until the policy ends or is renewed, whichever comes first. For any insurance contract agreed or renewed on or after May 1st, 2026, clauses excluding benefit claimants or children have no effect from the start.

Penalties for landlord discrimination

Local authorities in England are responsible for the enforcement of the Act’s anti-discrimination provisions. If a local authority decides, on the balance of probabilities, that a landlord or agent has breached them, it can impose a civil penalty.

Government guidance sets the starting point for a first offence at £6,000. The penalty can be higher for serious or repeated breaches, and where multiple people are responsible for the same conduct (for example, a landlord and their letting agent), they can be fined jointly and are jointly and severally liable.

As with many aspects of the Act, enforcement will vary between councils. Alarmingly, evidence presented to the London Assembly Housing Committee in January by Generation Rent found that in the three years to 2024, over a third of London councils didn’t prosecute a single criminal landlord, and 14 of 32 London boroughs were not listed on the GLA's Rogue Landlord Checker. The government announced £18 million in "new burdens funding" to help councils prepare, but local authorities have already stated it doesn't go far enough. 

The advice for tenants is therefore the same as with the rent bidding ban: keep evidence. If a landlord or agent refuses you a viewing, changes terms, or withdraws an offer after learning about your children or benefits status, save the messages, screenshot the listing, and report it to your local council's private rented sector enforcement team.

Renters’ Rights Act vs Equality Act

The Renters' Rights Act discrimination provisions only cover two specific characteristics: having children and receiving benefits. These are not protected characteristics under the Equality Act 2010, which is why separate legislation was needed.

The Equality Act 2010 continues to apply to the rental market in parallel. It protects tenants and prospective tenants from discrimination based on race, sex, disability, religion or belief, sexual orientation, gender reassignment, pregnancy and maternity, marriage and civil partnership, and age. A landlord who refuses to let to someone because of their ethnicity, for example, is breaking the Equality Act regardless of what the Renters' Rights Act says.

Under the Equality Act, a tenant brings a claim through the county court or, in some cases, through a tribunal. Under the Renters' Rights Act, enforcement sits with local authorities, who can impose civil penalties directly. A single act of discrimination could breach both: a landlord who refuses a tenancy to a single mother receiving Universal Credit because she has a child is breaching the Renters' Rights Act (children), and if the refusal is also connected to her sex or pregnancy status, the Equality Act may apply too.

In addition, disability discrimination under the Equality Act includes a duty to make reasonable adjustments. If you're disabled and your landlord refuses to allow modifications to the property, or refuses an assistance animal, that's an Equality Act issue, not a Renters' Rights Act one. The two Acts don't overlap on disability; the Equality Act provides the stronger protections in this scenario. 

Where to get free help

If you've been turned away from a property because you have children or receive benefits, report it to your local council's private rented sector enforcement team. Shelter's helpline is available on 0808 800 4444. Citizens Advice can help online or through your local bureau. The Equality Advisory Support Service (EASS) helpline on 0808 800 0082 can advise on Equality Act claims.

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Frequently asked questions

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What type of discrimination does the Renters' Rights Act cover?

The Act specifically covers discrimination against tenants because they have children or because they receive benefits. This is separate from the Equality Act 2010, which covers discrimination on the basis of race, sex, disability, religion, sexual orientation, gender reassignment, pregnancy, age, and marriage or civil partnership.

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Can a landlord refuse me because I'm on Universal Credit?

No. From May 1st, 2026, refusing a tenancy because a prospective tenant receives benefits is unlawful. Landlords can set affordability requirements, but they must treat benefit income on the same basis as earned income. A referencing process that automatically fails applicants receiving Universal Credit or housing benefit is discriminatory.

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Can a landlord refuse me because I have children?

No, with a narrow exception for accommodation where restricting children is a proportionate means of achieving a legitimate aim, such as retirement housing. A general preference for tenants without children is not a legitimate aim.

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What are the penalties for discrimination?

Local authorities can impose a civil penalty starting at £6,000 for a first breach. Penalties can be higher for serious or repeated breaches. Both the landlord and their letting agent can be fined for the same conduct.

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What should I do if I've been discriminated against?

Keep evidence. Save messages, screenshot listings, and note any conversations. Report it to your local council's private rented sector enforcement team. Shelter (0808 800 4444) and Citizens Advice can help you understand your options. If the discrimination falls under the Equality Act as well, the Equality Advisory Support Service (EASS) helpline on 0808 800 0082 can advise.

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