A Credit Check provides an insight into a potential tenant’s financial behaviour in an
easy-to-understand report. This will flag up any past CCJs, bankruptcies and IVAs
(Individual voluntary arrangement).
A Full Reference includes a Credit Check and an income reference, where a tenant’s income is
validated through a verified source to ensure that they can afford the rent. The reference will also
include a landlord reference, where we will check if the tenant has paid their rent and looked after
their current rented property.
We also offer a Know Your Customer check and a Right to Rent platform to help you be compliant under
the Immigration Act 2016, along with an MRZ validation tool to help you confirm the validity of your
If your tenant has offered to pay their rent term up front, we would still recommend conducting an
income reference. This is in order to confirm they have the ability to continue payments should you
wish to extend their tenancy.
All we need you to provide is the tenant’s name, contact number and email address. We will take over
and obtain the rest of the information directly from the tenant. You will be able to access all this
information once we have received it, through your online portal.
If your tenant’s reference is returned as a fail, the decision still lies with you whether to have
them move into the property. We will provide you with the facts for you to make an informed decision
going forwards. However, if you would like to continue with the tenant, you can reference a guarantor
free of charge to add security.
Since the Tenants Fee Ban Act came into force from 1st June 2019, tenants can no longer be charged
for their referencing. We charge the landlord or letting agent to conduct the reference, not the tenant.
We can reference a person who has not lived in the UK before. It is unlikely that an applicant has
generated a line of credit if they have not lived in the UK for a period of 12 months or more within
the last 18 years, we will therefore set them to a default credit score which will be stated on your
final report. In this case, we would recommend obtaining a UK based guarantor.
A minimum of one month’s deposit must be lodged in a government recognised tenancy deposit scheme,
you must take a month’s rent in advance in cleared funds. Full conditions are outlined in our Policy Wording
and IPID documents.
To generate an AST, the applicant or a suitable guarantor must pass their reference and have had a Right to Rent check
conducted on them. An EPC, Gas Safety certificate (if required) and proof of deposit must also be uploaded to the property.
Questions often asked by landlords regarding deposits
As stated on the Tenants Fee Ban Act 2019, a refundable tenancy deposit is now capped at no more
than 5 weeks’ rent where the total annual rent is below £50,000 or six weeks’ rent where the total
annual rent is £50,000 or above.
There are three government recognised deposit schemes; DPS, TDS and MyDeposits. In the event of a
dispute regarding the use of a tenant’s damage deposit, they will independently adjudicate the use
of the funds. Our insurance policies require that the deposit is lodged with one of the aforementioned firms,
within the first month of the tenancy.
The AST generated by us states that a section 21 can be issued by the landlord, in order to do so it
is required to provide proof that the deposit is held within a government recognised scheme. We
therefore request proof before generating the AST to ensure that we and the landlord are complying
with the Housing Act.
We require both the deposit certificate and prescribed information. Some deposit protection
companies often have both the certificate and prescribed information on one page or within the same
It is not a requirement to re-reference a tenant if the current AST has expired and there are no
changes to the current circumstances. However, for peace of mind and to ensure there have been no changes to
the tenants' creditworthiness, you may wish to conduct another reference.
A Know Your Customer check, otherwise known as KYC, is an Anti-Money Laundering check which searches
credit bureaus, government watchlists, financial sanction registers and other public and private data sources
to verify your tenants' residency, identity and help to ensure there are no adverse alerts.
If a KYC check fails, don’t panic! This will not fail the reference overall. There could be many
reasons for this – for example an international applicant that has not lived in the UK long enough
to be on the electoral roll.
Questions often asked by landlords regarding guarantors