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Shared Housing and Flatmate Rights

HousingLast reviewed: 1 April 20257 min read

Millions of people in England live in shared housing, whether in a house in multiple occupation (HMO) with separate tenancy agreements, or in a joint tenancy where all occupants are co-tenants. The type of arrangement you have significantly affects your rights, responsibilities, and what happens if a flatmate leaves or stops paying rent.

Key points

  • In a joint tenancy, all tenants are jointly and severally liable — meaning each tenant is responsible for the whole rent if others do not pay.
  • In an HMO with individual agreements, each tenant is only responsible for their own rent and room.
  • HMOs housing five or more people from two or more households require a mandatory licence from the local council.
  • All occupants are entitled to basic standards of safety, heating, and sanitation regardless of tenancy type.

Joint Tenancies vs Individual Tenancies in Shared Housing

When you move into shared housing, your legal position depends primarily on what type of agreement you have signed.

In a joint tenancy, all flatmates sign the same tenancy agreement and are all named tenants. You are jointly and severally liable for the rent — meaning your landlord can pursue any one of you for the full rent if others fail to pay. This also means one tenant cannot normally end the joint tenancy without the agreement of all others (though case law is developing in this area following the Renters' Rights Act 2025).

In an individual tenancy, each occupant has a separate agreement with the landlord covering their own room (and usually shared use of communal areas). You are only responsible for your own rent and cannot usually be held liable for a housemate's failure to pay. This arrangement is common in houses in multiple occupation managed by professional landlords or letting agents.

If you are unsure which applies to you, check whether you signed the same document as your flatmates or separate documents, and whether all names appear on one agreement.

Houses in Multiple Occupation (HMOs): Rules and Standards

A house in multiple occupation (HMO) is a property occupied by three or more people from two or more separate households who share facilities such as a bathroom or kitchen. Larger HMOs — those with five or more occupants from two or more households — require a mandatory licence from the local authority. Some councils operate additional or selective licensing schemes covering smaller properties.

Licensed HMOs must meet minimum room size standards (since 2018, a minimum of 6.51 sq metres for a room occupied by one adult), fire safety requirements, adequate kitchen and bathroom facilities, and other management standards. Landlords of unlicensed HMOs face significant fines and may be required to repay rent under a Rent Repayment Order.

As a tenant in an HMO, you are entitled to:

  • A copy of the HMO licence on request
  • A safe, well-maintained property free from Category 1 hazards
  • Adequate fire safety provisions including smoke alarms, fire doors, and safe escape routes
  • Properly maintained shared facilities

Dealing with Flatmate Disputes

In a joint tenancy, disputes between flatmates can be particularly difficult because your liability is collective. If a flatmate stops paying rent, the landlord can pursue you for the shortfall. If one flatmate causes damage, all tenants may be held responsible through the deposit.

Steps to manage flatmate disputes include:

  • Create a flatmate agreement at the start setting out expectations on bills, cleaning, guests, and noise — even if informal, it can help resolve disputes.
  • Communicate concerns in writing where possible so there is a record.
  • If a flatmate is not paying their share of rent, try to resolve this directly before it escalates to arrears that affect all tenants.
  • If a flatmate wants to leave a joint tenancy early, all remaining tenants and the landlord should agree to a formal change to the tenancy agreement (a deed of surrender or a new agreement).

Citizens Advice can provide guidance on resolving shared housing disputes, and some councils offer mediation services for tenancy disputes.

What Happens When a Flatmate Leaves a Joint Tenancy

When one flatmate wants to leave a joint tenancy, the legal position affects all remaining tenants significantly. In a joint tenancy, each tenant has equal rights and responsibilities under the same agreement, so a departure must be handled carefully to avoid unintended consequences.

The departing tenant cannot simply walk away. Their name remains on the tenancy — and their liability for rent — until the tenancy is formally changed. Options include:

  • Deed of assignment: With the landlord's consent, the departing tenant's interest can be transferred to a new incoming tenant. This substitutes one name for another on the tenancy agreement and releases the departing tenant from future liability.
  • New tenancy agreement: The landlord may prefer to end the existing tenancy and grant a fresh one to the remaining and any new tenants. This gives the landlord an opportunity to update terms and potentially change the rent.
  • Surrender and re-grant: All tenants and the landlord agree to end the existing tenancy entirely, allowing a fresh start. This approach works well when the household is substantially changing.

Until the tenancy is formally varied, the departing flatmate remains legally liable for rent even if they have physically left. Equally, remaining tenants cannot force a departing flatmate's name off the agreement without the landlord's cooperation. If the landlord is unresponsive, Citizens Advice and Shelter can advise on next steps. Always get any agreed changes in writing and keep copies.

Frequently asked questions

If one flatmate stops paying rent, will the landlord come after me?
In a joint tenancy, yes. You are jointly and severally liable for the whole rent, so the landlord can pursue any or all tenants for any shortfall. You may then need to recover your flatmate's share from them separately, which can be difficult. In an individual tenancy, you are only liable for your own rent.
Does my HMO need a licence?
If your property has five or more occupants from two or more households, it requires a mandatory HMO licence. Smaller HMOs may also require a licence if your local council operates an additional licensing scheme. You can check with your local council.
Can one flatmate end a joint tenancy without the others agreeing?
Historically, one joint tenant could serve notice to quit which ended the tenancy for all. Case law and the Renters' Rights Act 2025 have changed this position. Seek advice from Shelter or Citizens Advice for the current rules before anyone takes steps to end a joint tenancy.
How do we replace a departing flatmate on a joint tenancy?
The most common route is a deed of assignment, which transfers the departing tenant's share to an incoming replacement, with the landlord's written consent. Some landlords prefer to issue a new tenancy agreement entirely. Either way, the landlord must agree — you cannot change the names on a tenancy without them.
Is a departing flatmate still liable for rent after they move out?
Yes, until their name is formally removed from the tenancy agreement. Simply leaving the property and stopping payment does not end their legal obligation as a joint tenant. The landlord can pursue them — and the remaining tenants — for any rent arrears that arise until a formal variation or new agreement is in place.

What to do next

  1. 1
    Check HMO licensing with your council

    Find out whether your property needs an HMO licence.

  2. 2
    Read Shelter's guide to joint tenancies

    Detailed advice on the rules around joint tenancies.

  3. 3
    Understand rent repayment orders for unlicensed HMOs

    You may be able to recover rent if your HMO is unlicensed.

Official bodies and resources

Shelter

Charity

A housing charity providing advice and support for people who are homeless or at risk of losing their home.

Citizens Advice

Charity

Provides free, confidential, and independent advice on a wide range of issues including benefits, housing, debt, and employment.

Local Government and Social Care Ombudsman

Ombudsman

Investigates complaints about councils, social care providers, and some other public bodies in England.

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Disclaimer

This information is for general guidance only and does not constitute legal advice. You should seek qualified legal help if your situation requires it.