
How to Make a Rented House Your Home
Moved into a shared house? Browse these top tips on how to make a student house look homely on a budget.
Last updated: January 2026
If you’re starting uni in September, your inbox is probably already piling up with emails about halls of residence. If you’re sitting there wondering what ‘halls of residence’ means, and if this is the only choice for first year, you aren’t alone.
We’ve broken down everything you need to know, including:
Halls of residence are the go-to student housing setup for first-years. Most unis guarantee all their freshers a spot in halls to help them settle in.
Once you’ve accepted your place at uni, you should get information about how to apply for your room. If you’re going through clearing, it can be a little more complex, but don’t panic – there are always options.
The biggest selling point? Halls are usually right on or super close to campus, so you can basically roll out of bed and walk straight into your morning lectures.
Most student halls consist of single rooms with shared bathrooms and kitchens, though you can also get ensuite rooms or self-contained studio flats. You’ll be able to choose from catered rooms (where some or all your meals are cooked for you) or self-catered options (where you’ll need to buy and cook your food yourself).
While uni halls are owned and managed by your university, you’ll also see a lot of private halls around student cities. These are built exactly like uni halls, but they’re privately run and open to students from any uni in the area.
If a university runs out of space in its own blocks, it will often partner with private halls to house its students there instead.
There’s a reason why most first-year students opt to live in university halls – they’re an awesome experience and the absolute fastest way to make friends. Here are the benefits of living in halls of residence:
Of course, living in university halls isn’t for everyone. Here are some downsides:
Your Student Finance maintenance loan can help you pay for student accommodation costs. To keep things simple, the uni will usually time your rent deadlines to match the exact dates your student loan drops into your bank account each term.
Remember – you also need money for your living costs. Don’t blow your entire loan on the flashiest studio without checking what you’ll have left for the rest of the term. You’ll also likely need to pay a deposit upfront to secure the room, which you’ll get back when you move out (assuming you haven’t smashed anything).
According to Save The Student’s 2025 accommodation survey, the average cost for university halls of residence was £615 per month. Private halls crept a bit higher (£650 per month), while privately owned student housing came in cheaper (£532 per month).
Nope, it’s not a legal requirement. You can opt for privately owned shared accommodation instead – this is where you’ll likely be living in your second year anyway.
Unlike halls where you can select your preferences but aren’t guaranteed your preferred accommodation (especially if it’s popular), living in private accommodation means you have complete control over where you live. Plus, you can choose your housemates, so it’s the perfect choice if you already know who you want to live with!
One of the main downsides of living in private shared accommodation is having to handle the household bills yourself. So, when you’re ready to move out of halls and into your second year, the good news is that bills don’t have to be a chore – you can always opt for a bill-splitting service to make your life easier…
At Split The Bills, we do the hard work of setting up utility accounts and direct debits. You choose the services you want included in your package, including uncapped energy, water, broadband and even a TV Licence. There’s no worrying about splitting bills with your housemates or calling energy suppliers – all you need to do is pay one neat bill each month!
If you want a hassle-free way to pay shared household bills, you can find out more about what we do or grab a quote to get started.

Moved into a shared house? Browse these top tips on how to make a student house look homely on a budget.

Everyone’s finances look different, but I thought I’d share a realistic look at the kinds of things I spend money on in a typical week as a graduate.

Credit scores are every adult’s worst nightmare and best friend; that single number can make or break your future, and for many, your time at university can make a bigger impact on that score than you might think.