Rental, where no bond

Rental, where no bond is in place, should be reasonable considering the consumer’s circumstances.

NDRC Practice NoteLast reviewed 2026-04

What this means in practice

Rent is permitted at the actual amount paid under a written lease. Where no lease exists, the figure is supported by three months of bank statements showing the payment to the landlord.

Where it goes wrong

Above-market rent without supporting lease documents gets reduced by credit providers. A short written lease, even informal, prevents that reduction.

Drawn from NDRC's active case work. For your situation, see our debt counselling overview.

Cite this clause

National Credit Regulator. (2015). Annexure B — Debt Review Assessment Guidelines, clause 7.1.1: Rental, where no bond. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 41.