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    <title>Help Centre</title>
    <link>http://housinghand.com/help-and-advice</link>
    <description>Get practical renting advice, guarantor FAQs and helpful guides for tenants, parents and accommodation providers. All the support you need in one place.</description>
    <language>en</language>
    <pubDate>Wed, 01 Apr 2026 09:19:45 GMT</pubDate>
    <dc:date>2026-04-01T09:19:45Z</dc:date>
    <dc:language>en</dc:language>
    <item>
      <title>If I use Only My Share, will my price increase next year?</title>
      <link>http://housinghand.com/help-and-advice/if-i-use-this-guarantee-will-my-price-go-up-next-year</link>
      <description>&lt;p&gt;No, the cost of the guarantee is not determined by claims. The premium is £16 per month for all applicants.&amp;nbsp;&lt;/p&gt;</description>
      <content:encoded>&lt;p&gt;No, the cost of the guarantee is not determined by claims. The premium is £16 per month for all applicants.&amp;nbsp;&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=8789491&amp;amp;k=14&amp;amp;r=http%3A%2F%2Fhousinghand.com%2Fhelp-and-advice%2Fif-i-use-this-guarantee-will-my-price-go-up-next-year&amp;amp;bu=http%253A%252F%252Fhousinghand.com%252Fhelp-and-advice&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Only My Share (Joint &amp; Several Liability protectio</category>
      <pubDate>Sun, 11 May 2025 00:00:00 GMT</pubDate>
      <guid>http://housinghand.com/help-and-advice/if-i-use-this-guarantee-will-my-price-go-up-next-year</guid>
      <dc:date>2025-05-11T00:00:00Z</dc:date>
      <dc:creator>admin</dc:creator>
    </item>
    <item>
      <title>What guarantee policy can I purchase exactly?</title>
      <link>http://housinghand.com/help-and-advice/what-guarantee-policy-can-i-purchase-exactly</link>
      <description>&lt;p&gt;&lt;strong&gt;&amp;nbsp; &amp;nbsp;&lt;br&gt;OMS offers one policy to fit all; Rent Arrears Protection for yourself and your guarantor, for just &lt;/strong&gt;&lt;strong&gt;£16 per month.&lt;br&gt;&amp;nbsp; &amp;nbsp;&lt;br&gt;&lt;/strong&gt;The guarantee policy available to purchase, gives you cover for up to £20,000 of housemates rent arrears if they don't pay their rent for the length of the tenancy, up to a maximum of 12 months.&lt;br&gt;&lt;strong&gt;&lt;br&gt;&lt;/strong&gt;&lt;/p&gt;</description>
      <content:encoded>&lt;p&gt;&lt;strong&gt;&amp;nbsp; &amp;nbsp;&lt;br&gt;OMS offers one policy to fit all; Rent Arrears Protection for yourself and your guarantor, for just &lt;/strong&gt;&lt;strong&gt;£16 per month.&lt;br&gt;&amp;nbsp; &amp;nbsp;&lt;br&gt;&lt;/strong&gt;The guarantee policy available to purchase, gives you cover for up to £20,000 of housemates rent arrears if they don't pay their rent for the length of the tenancy, up to a maximum of 12 months.&lt;br&gt;&lt;strong&gt;&lt;br&gt;&lt;/strong&gt;&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=8789491&amp;amp;k=14&amp;amp;r=http%3A%2F%2Fhousinghand.com%2Fhelp-and-advice%2Fwhat-guarantee-policy-can-i-purchase-exactly&amp;amp;bu=http%253A%252F%252Fhousinghand.com%252Fhelp-and-advice&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Other Services</category>
      <pubDate>Sun, 11 May 2025 00:00:00 GMT</pubDate>
      <guid>http://housinghand.com/help-and-advice/what-guarantee-policy-can-i-purchase-exactly</guid>
      <dc:date>2025-05-11T00:00:00Z</dc:date>
      <dc:creator>admin</dc:creator>
    </item>
    <item>
      <title>How much does it cost, and can I pay monthly?</title>
      <link>http://housinghand.com/help-and-advice/how-much-does-it-cost-and-can-i-pay-monthly</link>
      <description>&lt;p&gt;Yes you can pay monthly. This is a subscription service.&lt;/p&gt;</description>
      <content:encoded>&lt;p&gt;Yes you can pay monthly. This is a subscription service.&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=8789491&amp;amp;k=14&amp;amp;r=http%3A%2F%2Fhousinghand.com%2Fhelp-and-advice%2Fhow-much-does-it-cost-and-can-i-pay-monthly&amp;amp;bu=http%253A%252F%252Fhousinghand.com%252Fhelp-and-advice&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Only My Share (Joint &amp; Several Liability protectio</category>
      <pubDate>Sun, 11 May 2025 00:00:00 GMT</pubDate>
      <guid>http://housinghand.com/help-and-advice/how-much-does-it-cost-and-can-i-pay-monthly</guid>
      <dc:date>2025-05-11T00:00:00Z</dc:date>
      <dc:creator>admin</dc:creator>
    </item>
    <item>
      <title>How can I purchase this cover?</title>
      <link>http://housinghand.com/help-and-advice/how-can-i-purchase-this-cover</link>
      <description>&lt;p&gt;Apply online at &lt;a href="https://onlymyshare.com/"&gt;www.onlymyshare.com&lt;/a&gt;, and pay nothing until you move in. Set up ypur ¬£16 per month subscription when you apply to start on your tenancy start date, or if in tenancy, why not start it right away.&lt;/p&gt;</description>
      <content:encoded>&lt;p&gt;Apply online at &lt;a href="https://onlymyshare.com/"&gt;www.onlymyshare.com&lt;/a&gt;, and pay nothing until you move in. Set up ypur ¬£16 per month subscription when you apply to start on your tenancy start date, or if in tenancy, why not start it right away.&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=8789491&amp;amp;k=14&amp;amp;r=http%3A%2F%2Fhousinghand.com%2Fhelp-and-advice%2Fhow-can-i-purchase-this-cover&amp;amp;bu=http%253A%252F%252Fhousinghand.com%252Fhelp-and-advice&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Only My Share (Joint &amp; Several Liability protectio</category>
      <pubDate>Sun, 11 May 2025 00:00:00 GMT</pubDate>
      <guid>http://housinghand.com/help-and-advice/how-can-i-purchase-this-cover</guid>
      <dc:date>2025-05-11T00:00:00Z</dc:date>
      <dc:creator>admin</dc:creator>
    </item>
    <item>
      <title>What does Only My Share cover include?</title>
      <link>http://housinghand.com/help-and-advice/what-does-the-cover-include</link>
      <description>&lt;p&gt;Only My Share covers you if your housemates' do not pay your share of the rent and the landlord holds you responsible under a joint and several liability agreement.&amp;nbsp;&lt;/p&gt;</description>
      <content:encoded>&lt;p&gt;Only My Share covers you if your housemates' do not pay your share of the rent and the landlord holds you responsible under a joint and several liability agreement.&amp;nbsp;&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=8789491&amp;amp;k=14&amp;amp;r=http%3A%2F%2Fhousinghand.com%2Fhelp-and-advice%2Fwhat-does-the-cover-include&amp;amp;bu=http%253A%252F%252Fhousinghand.com%252Fhelp-and-advice&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Only My Share (Joint &amp; Several Liability protectio</category>
      <pubDate>Sun, 11 May 2025 00:00:00 GMT</pubDate>
      <guid>http://housinghand.com/help-and-advice/what-does-the-cover-include</guid>
      <dc:date>2025-05-11T00:00:00Z</dc:date>
      <dc:creator>admin</dc:creator>
    </item>
    <item>
      <title>What is Only My Share, and what are the benefits?</title>
      <link>http://housinghand.com/help-and-advice/benefits-of-only-my-share</link>
      <description>&lt;p&gt;Imagine you've found a house you want to move into. You like your future housemates but barely know them, and suddenly you're asked to sign a contract making you legally responsible for their rent if they don't pay.&amp;nbsp;&amp;nbsp;&lt;/p&gt;</description>
      <content:encoded>&lt;p&gt;Imagine you've found a house you want to move into. You like your future housemates but barely know them, and suddenly you're asked to sign a contract making you legally responsible for their rent if they don't pay.&amp;nbsp;&amp;nbsp;&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=8789491&amp;amp;k=14&amp;amp;r=http%3A%2F%2Fhousinghand.com%2Fhelp-and-advice%2Fbenefits-of-only-my-share&amp;amp;bu=http%253A%252F%252Fhousinghand.com%252Fhelp-and-advice&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Only My Share (Joint &amp; Several Liability protectio</category>
      <pubDate>Sun, 11 May 2025 00:00:00 GMT</pubDate>
      <guid>http://housinghand.com/help-and-advice/benefits-of-only-my-share</guid>
      <dc:date>2025-05-11T00:00:00Z</dc:date>
      <dc:creator>admin</dc:creator>
    </item>
    <item>
      <title>Only My Share Terms &amp; Conditions</title>
      <link>http://housinghand.com/help-and-advice/only-my-share-terms-and-conditions</link>
      <description>&lt;p&gt;Only My Share is a separate entity to Housing Hand and so it has its own offering, website, application process, contract and terms and conditions.&amp;nbsp;&lt;br&gt;&amp;nbsp;&lt;br&gt;The terms of use can be found &lt;strong&gt;&lt;a href="https://onlymyshare.com/wp-content/uploads/2025/11/2025-Applicant-Terms-and-Conditions.docx.pdf"&gt;here&lt;/a&gt;&lt;/strong&gt;&lt;a href="https://onlymyshare.com/terms-condition/"&gt;&lt;/a&gt;&lt;/p&gt;</description>
      <content:encoded>&lt;p&gt;Only My Share is a separate entity to Housing Hand and so it has its own offering, website, application process, contract and terms and conditions.&amp;nbsp;&lt;br&gt;&amp;nbsp;&lt;br&gt;The terms of use can be found &lt;strong&gt;&lt;a href="https://onlymyshare.com/wp-content/uploads/2025/11/2025-Applicant-Terms-and-Conditions.docx.pdf"&gt;here&lt;/a&gt;&lt;/strong&gt;&lt;a href="https://onlymyshare.com/terms-condition/"&gt;&lt;/a&gt;&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=8789491&amp;amp;k=14&amp;amp;r=http%3A%2F%2Fhousinghand.com%2Fhelp-and-advice%2Fonly-my-share-terms-and-conditions&amp;amp;bu=http%253A%252F%252Fhousinghand.com%252Fhelp-and-advice&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Only My Share (Joint &amp; Several Liability protectio</category>
      <pubDate>Sun, 11 May 2025 00:00:00 GMT</pubDate>
      <guid>http://housinghand.com/help-and-advice/only-my-share-terms-and-conditions</guid>
      <dc:date>2025-05-11T00:00:00Z</dc:date>
      <dc:creator>admin</dc:creator>
    </item>
    <item>
      <title>How can I renew my Only My Share policy?</title>
      <link>http://housinghand.com/help-and-advice/how-can-i-renew-this-guarantee-policy</link>
      <description>&lt;p&gt;Your monthly subscription will continue until you cancel it through our website. If you wish to renew/apply for a different tenancy, or are on an older 12 month contract with us, you can renew&amp;nbsp;your policy quickly and easily by following the application process again online at &lt;a href="https://onlymyshare.com/"&gt;www.onlymyshare.com&lt;/a&gt;.&amp;nbsp;&lt;/p&gt;</description>
      <content:encoded>&lt;p&gt;Your monthly subscription will continue until you cancel it through our website. If you wish to renew/apply for a different tenancy, or are on an older 12 month contract with us, you can renew&amp;nbsp;your policy quickly and easily by following the application process again online at &lt;a href="https://onlymyshare.com/"&gt;www.onlymyshare.com&lt;/a&gt;.&amp;nbsp;&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=8789491&amp;amp;k=14&amp;amp;r=http%3A%2F%2Fhousinghand.com%2Fhelp-and-advice%2Fhow-can-i-renew-this-guarantee-policy&amp;amp;bu=http%253A%252F%252Fhousinghand.com%252Fhelp-and-advice&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Only My Share (Joint &amp; Several Liability protectio</category>
      <pubDate>Sun, 11 May 2025 00:00:00 GMT</pubDate>
      <guid>http://housinghand.com/help-and-advice/how-can-i-renew-this-guarantee-policy</guid>
      <dc:date>2025-05-11T00:00:00Z</dc:date>
      <dc:creator>admin</dc:creator>
    </item>
    <item>
      <title>Landlords: Are we right for you?</title>
      <link>http://housinghand.com/help-and-advice/landlords-are-we-right-for-you</link>
      <description>&lt;p&gt;Housing Hand offers Landlords all over the UK, a quick and easy solution to the guarantor problem, as well as 100% secured rent, at no cost to them or the Letting Agent what so ever.&lt;/p&gt;</description>
      <content:encoded>&lt;p&gt;Housing Hand offers Landlords all over the UK, a quick and easy solution to the guarantor problem, as well as 100% secured rent, at no cost to them or the Letting Agent what so ever.&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=8789491&amp;amp;k=14&amp;amp;r=http%3A%2F%2Fhousinghand.com%2Fhelp-and-advice%2Flandlords-are-we-right-for-you&amp;amp;bu=http%253A%252F%252Fhousinghand.com%252Fhelp-and-advice&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Landlords &amp; Housing Hand</category>
      <pubDate>Tue, 18 Mar 2025 13:54:04 GMT</pubDate>
      <guid>http://housinghand.com/help-and-advice/landlords-are-we-right-for-you</guid>
      <dc:date>2025-03-18T13:54:04Z</dc:date>
      <dc:creator>admin</dc:creator>
    </item>
    <item>
      <title>How do I add my date of birth?</title>
      <link>http://housinghand.com/help-and-advice/how-do-i-add-my-date-of-birth</link>
      <description>&lt;p&gt;It's really easy: Just click on the calendar icon in the personal details form, choose the day you were born on and then click on the month and year at the top of the calendar to choose them, retrospectively.&amp;nbsp;&lt;br&gt;&lt;br&gt;Here's what it looks like:&amp;nbsp;&lt;/p&gt;</description>
      <content:encoded>&lt;p&gt;It's really easy: Just click on the calendar icon in the personal details form, choose the day you were born on and then click on the month and year at the top of the calendar to choose them, retrospectively.&amp;nbsp;&lt;br&gt;&lt;br&gt;Here's what it looks like:&amp;nbsp;&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=8789491&amp;amp;k=14&amp;amp;r=http%3A%2F%2Fhousinghand.com%2Fhelp-and-advice%2Fhow-do-i-add-my-date-of-birth&amp;amp;bu=http%253A%252F%252Fhousinghand.com%252Fhelp-and-advice&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Application process</category>
      <pubDate>Tue, 18 Mar 2025 13:54:04 GMT</pubDate>
      <guid>http://housinghand.com/help-and-advice/how-do-i-add-my-date-of-birth</guid>
      <dc:date>2025-03-18T13:54:04Z</dc:date>
      <dc:creator>admin</dc:creator>
    </item>
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