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In UK shared houses you usually split energy, water, broadband and sometimes a TV licence. Agree the split in writing at move-in, put each bill in a named person's name, use a shared tracking app, and deal with missed payments early and in writing. House of Admissions (HOA) gives free guidance from Kathmandu and Pokhara.

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Quick answer

Agree who pays what before you move in, record it in writing, use a bill-splitting app, and raise any missed payment quickly. Check whether your tenancy makes housemates jointly liable for the rent.

Costs & Finance 3 min read

Managing Shared Bills with UK Housemates — Practical Guide

Bill disputes are one of the most common sources of tension in shared UK student houses. Here's how to set up a system that avoids them.

UK bank card and mobile banking app for shared bills

What Bills You'll Typically Share

In private UK shared housing (unlike many university halls, where bills are often included), you'll typically need to split: electricity and gas, water, broadband/internet, and sometimes a TV licence if anyone in the house watches live TV or BBC iPlayer. Rent is usually already divided by individual room agreements rather than shared equally.

Setting Up a Fair Splitting System

Most shared houses either split bills equally regardless of room size, or proportionally based on room size/rent if there's a significant difference between rooms. Agree on the method before moving in, in writing if possible, to avoid disputes once bills start arriving.

Practical Tools for Managing Group Payments

Many households use a dedicated shared expense app or a joint 'household' account specifically for bills, with each housemate contributing a fixed monthly amount, from which a nominated person pays providers directly. This avoids the awkwardness of individually chasing each other for every separate bill.

What to Do If a Housemate Doesn't Pay

Address non-payment directly and early, before it accumulates into a larger amount or damages the household relationship. If it becomes a persistent issue, most tenancy agreements make all named tenants jointly responsible for the property's bills, so unresolved non-payment can ultimately affect your own credit record — don't let it go unaddressed for the sake of avoiding an awkward conversation.

Keep reading: Total cost of a UK degree in NPR · 28-day bank statement rule

Key Facts — 2026

UK Visa Fee
£558 (from 8 Apr 2026)
IHS (NHS Surcharge)
£776/yearA 1-year master’s is granted ~16 months leave, so you pay £1,164 (UKVI, 2026)
Bank Balance (Outside London)
£10,539/year£1,171/month × 9 months (NPR 20.5L). From 30 Nov 2026: £1,203/month, £10,827/year
Bank Balance (London)
£13,761/year£1,529/month × 9 months (NPR 26.8L). From 30 Nov 2026: £1,570/month, £14,130/year
HOA Guidance Fee
100% Free
Part-time Earnings
≈ £1,017/month (20 hrs × £12.71)

Which maintenance figure applies to you is set by the date you submit the visa application, not your course start date. The increase is in Statement of Changes HC 584. Full breakdown in NPR →

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