Tenant Referencing

Tenant referencing verifies that prospective tenants can afford the rent and have a history of meeting their obligations. Thorough referencing significantly reduces the risk of rent arrears, property damage, and costly eviction proceedings.

Identity verification:

• Proof of identity (passport, driving licence)
• Proof of current address
• Right to Rent documentation

Financial checks:

• Credit check showing payment history, CCJs, IVAs, bankruptcies
• Income verification (payslips, employer reference, tax returns)
• Affordability assessment (typically income should be 2.5x annual rent)

Previous landlord reference:

• Confirmation of tenancy dates
• Rent payment history
• Property condition at departure
• Whether they would rent to them again

The Renters' Rights Act 2025 introduces important changes:

• Benefits discrimination banned: You cannot refuse to let to someone because they receive benefits. Affordability assessments must consider total income including benefits.
• Family discrimination banned: You cannot refuse to let to someone because they have children.
• Rental bidding banned: You cannot invite tenants to offer more than the advertised rent.
• Advance rent capped: Maximum one month's rent in advance - you may need to use guarantors instead.