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Renting your first home in Europe: dossier, viewing rules, utilities and real scam shields

Renting your first home in Europe: dossier, viewing rules, utilities and real scam shields

Published October 8, 2025

Most rental mistakes happen before the viewing. Build your dossier, know the red flags, and secure utilities from day one.

Where to search (fast + legit)

• FR: SeLoger, PAP, agencies; ES/PT/IT: Idealista; DE/AT: Immowelt/Immoscout; UK/IE: Rightmove/Daft; plus reputable agencies.

• Short-term bridge: Spotahome, apart-hotels, verified Facebook groups. Having your bank account ready speeds up deposits and transfers.

Your rental dossier (single PDF)

ID, work contract/offer, last 3 payslips (or savings proof), previous landlord ref, employer letter, savings statement. Add a 1-page intro with move-in date, salary, quiet hobbies. If you're still job hunting, check our guide to finding work abroad.

Guarantor & deposit — country realities

• FR: 1–2 months deposit, guarantor common; alternatives: Garantie Visale or paid guarantor services.

• DE: Kaution up to 3 months, paid into a blocked account; no cash handovers.

• ES/IT/PT: 1–2 months + agency fees in some cities. Always official receipts.

Scam shields (5 checks)

1) Never pay before a signed contract. 2) Verify the agency's registration. 3) Contract language must be official. 4) Deposit to an agency/escrow account. 5) Ask for proof of property ownership.

Inventory day (what to photograph)

Meters (gas/electric/water), walls, ceilings, windows, appliances, bathroom seals, keys. Send photos the same day by email to timestamp.

Utilities setup in 24h

Bring meter readings to supplier; ask for no-penalty monthly plan you can change later. Get a local SIM and basic home insurance the same day.

Message to send after viewing

"Thank you for today's viewing. I confirm strong interest and can move in from [date]. My dossier is attached; happy to pay deposit immediately upon contract signature."

Frequently Asked Questions

Can I rent without local payslips?

Yes with a guarantor, employer letter, or savings proof. Offer 2–3 months upfront if legal.

Furnished or unfurnished?

Furnished speeds move-in but costs more and may be shorter term. Unfurnished is cheaper long term.

Stay updated

For more practical insights on this topic, explore our related articles:

  • Renovate Now or Wait? The Energy Renovation Timing Trap Facing European Households
  • European Housing 2025: Rent Caps, New Tenant Rights & Digital Contracts — The Essential Expat Guide
  • The 2025–2026 Expat Housing Shock: Why Rents Are Surging in Europe — and How to Protect Yourself
  • Finding English-Speaking Real-Estate Agents in France (2025): Navigating the Market Like a Pro

Conclusion: A tight dossier, cautious payments, and a photographed inventory turn renting into a controlled process. You keep the keys—and your peace of mind.

Stay Updated

1 tip per week, no spam.

About the author:

Jules Guerini is a European expat guide sharing practical, tested advice for navigating life abroad. From admin to housing to healthcare, he focuses on simple strategies that actually work. Contact: info@expatadminhub.com

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