Landlord & Tenant

Co-signing a Lease: What a Guarantor Takes On

Asked to co-sign your child's or friend's lease? Here is what a guarantee really means under Ontario law.

Business people signing a contract at a table

Landlords sometimes ask a tenant to provide a guarantor (co-signer), often a parent, who promises to pay if the tenant doesn't.

The short answer

A guarantor can be responsible for unpaid rent, damage and other amounts the tenant owes. Read the guarantee carefully, try to limit it to a set amount or period, and know when it ends.

What you may be responsible for

  • Unpaid rent
  • Damage beyond normal wear and tear
  • Other amounts set out in the guarantee

Check before you sign

  • Is there a cap on the amount?
  • Does it continue after the lease term, when the tenancy goes month to month?
  • Does it cover a joint lease, making you responsible for other roommates' rent too?
  • Can you end it, and how?

Human rights

A classical-style courthouse stands under a blue sky

Landlords can ask for a guarantor in some situations, but shouldn't require one only from people because of a protected ground, such as receiving social assistance or being a newcomer.

If the landlord comes to you

Ask for a written statement of what is owed and the proof. Disputes over money can go to Small Claims Court.

A guarantee isn't the same as being a tenant

A guarantor usually has no right to live in the unit.

Talk to NEO

Need help with a tenancy problem? NEO helps tenants and landlords with notices, applications and hearings at the Landlord and Tenant Board. Call 647-200-3526 or toll-free 888-519-2435, email info@neolegalservices.com, or book a free consultation.

Sources

Read next: Your One-Year Lease Is Ending: Do You Have to Move Out?

General Ontario legal information, not legal advice for your matter, and reading it does not create a retainer. Sources checked 16 October 2026: check the current law, forms and dates before you act.

Photos from Unsplash: Business people signing a contract at a table · A classical-style courthouse stands under a blue sky.

This article is general information for people in Ontario, not legal advice. Rules, forms and deadlines change, and every situation is different. Check the current rule or speak to a licensed legal professional before you act.

Not sure where you stand? A licensed paralegal can look at your documents and tell you your options.

Book a Free Consultation

Loading comments…

Law Society of Ontario — Barreau de l'Ontario
Find it on Apple NewsView full feature on Apple News