Are Lodgers' Deposits Protected in England?

Shared Housing, HMOs & Lodgers England 3 min read · published March 29, 2026 Flag of England

Many people who rent a room as a lodger wonder whether their deposit is legally protected. If you are a lodger or private renter in England, it helps to know the difference between a lodger and an assured shorthold tenant and what legal routes exist if a deposit is withheld. This guide explains, in plain language, when deposit protection rules apply, what steps you should take to get a receipt or statement, and how to pursue repayment using official forms and money-claim routes. It assumes you are a tenant or renter facing a dispute and gives practical examples, timescales and where to find the correct government forms and tribunal for resolution in England.

What is a lodger and how is it different?

A lodger usually rents a room in a landlords main home and shares facilities such as a kitchen or bathroom. Lodgers are typically licencees rather than tenants under an assured shorthold tenancy, so many tenancy protections do not apply in the same way. The legal distinctions are set out in residential tenancy law and older tenancy statutes referenced below.[1][2]

A lodger normally shares living space with the landlord and therefore has fewer statutory deposit protections.

Are lodgers' deposits protected?

In most cases a lodgers deposit is not covered by the statutory Tenancy Deposit Protection rules that apply to assured shorthold tenancies. That means the formal deposit schemes and their free dispute-resolution processes usually do not apply to lodgers. If a lodger pays a deposit, the best practice is to get a written receipt, an itemised condition note and any payment records.

Keep all rent and deposit receipts and any condition check-in notes together in one place.

What you can do if a deposit is withheld

  • Ask the landlord in writing for an itemised explanation and the full deposit repayment within a clear deadline.
  • Set a short deadline (for example, within 14 days) for a response and keep proof of sending the request.
  • If there is no satisfactory reply, you can start a county court money claim using the court claim form (N1) or the Money Claim Online service.
  • Gather evidence such as photos, messages, bank payments and the inventory so you can show what was paid and the condition of the room.
Clear, dated evidence greatly strengthens a money claim or court application.

Official forms and online routes: the county court claim form N1 and the Money Claim Online service are the usual routes when a lodger cannot resolve a dispute informally. For complex housing disputes you may also contact the First-tier Tribunal (Property Chamber) to check if it has a role in your type of case.[3][4][5]

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Steps before making a formal claim

  • Check any written agreement and keep a copy of messages and receipts as your primary evidence.
  • Send a polite but firm written request for the deposit back that lists the amount, date paid and a 14-day deadline.
  • If the landlord replies with deductions, ask for an itemised bill and receipts for the costs claimed.
  • If the landlord refuses or does not respond, use the county court money claim process to recover the sum.
Act promptly: delays can make it harder to recover evidence and may affect your claim.

FAQ

Can a lodger use the tenancy deposit protection schemes?
No. Lodgers who share accommodation with the landlord are usually not covered by the statutory deposit protection schemes that apply to assured shorthold tenancies.
What should I request from my landlord first?
Ask for a written receipt for the deposit, a signed inventory or condition note, and an itemised statement for any proposed deductions.
Who deals with deposit disputes?
For lodgers the usual route is a county court money claim; some tenancy deposit scheme disputes apply only to protected tenancies. You can also check with the First-tier Tribunal (Property Chamber) if your case involves other tenancy issues.

How-To

  1. Gather evidence: collect receipts, photos, the written agreement and any messages about the deposit.
  2. Write to the landlord requesting repayment with a clear deadline (for example, within 14 days) and keep a copy.
  3. If there is no reply, start a county court money claim using the N1 form or Money Claim Online and attach your evidence.
  4. Prepare for the hearing or response by organising documents and, if needed, get independent advice about procedure and costs.

Help and Support / Resources


  1. [1] Housing Act 1988 (legislation.gov.uk)
  2. [2] Rent Act 1977 (legislation.gov.uk)
  3. [3] Claim form N1 (GOV.UK)
  4. [4] Money Claim Online (GOV.UK)
  5. [5] First-tier Tribunal (Property Chamber) (GOV.UK)

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Emma Clarke
Emma Clarke

UK Housing Rights Researcher, Tenant Rights UK

Emma covers private and social renting across England and Wales, with a strong grounding in the Renters (Reform) Act, Section 21 no-fault evictions, and deposit protection schemes. She has been writing about UK tenant rights and housing policy since 2017.