Understanding the Tenant Referencing Process: What to Expect When Applying to Rent

When applying for a rental property, the referencing stage is one of the most important steps in the lettings process. This is where we work to ensure that the tenancy is suitable for everyone involved - both the applicant and the landlord. Our aim is always to make this process as smooth, transparent, and supportive as possible.

Below is an overview of what referencing involves and how you can help it go through quickly and successfully.

Why We Conduct Referencing

Referencing helps provide confidence that the tenancy will be sustainable and well-managed. It protects applicants from taking on something that may be financially difficult, and it reassures landlords that the rent will be paid and the property cared for. It is not about finding reasons to say “no” - it’s about ensuring the right fit.

What We Check During Referencing

We use several methods to build a complete and accurate picture of your application:

1. Open Banking Affordability Assessment

With your permission, we use secure open banking technology to review income and regular outgoings. This is safe, quick, and far more accurate than simply reviewing paper statements. It ensures we understand your current financial situation realistically.

2. Employment Verification

We contact your employer to confirm:

• Your job role

• Length of employment

• Contract type

• Income level

  
  

This helps us assess affordability and income stability.

3. Previous Landlord Reference

If you’ve rented before, we’ll request a reference from your previous landlord to confirm:

• Rent was paid consistently

• The property was looked after

• There were no ongoing disputes

  
  

4. Credit Checks

A standard credit check will be carried out to identify:

• Any history of missed payments

• CCJs or IVA arrangements

• Overall credit behaviour

  
  

Credit issues do not automatically mean a declined application, but honesty is essential.

5. ID and Address Verification

We will also verify your identity and previous address history as part of required legal and anti-fraud checks.

Be Upfront About Credit or Financial Issues

If you have had difficulties in the past - missed payments, old defaults, or anything else - it’s always best to tell us before the checks are completed.

Finding out during referencing, rather than from you, can reflect poorly and may harm the application. When we know in advance, we can look at solutions, such as:

• Additional supporting documents

• Savings proof

• A guarantor

  
  

Honesty truly does help your application.

Support for Applicants Who May Struggle with Affordability

We understand that everyone’s situation is different. If affordability is tight, we will do our best to help find a workable solution rather than simply declining the application.

One common option is using a guarantor - someone who can support the tenancy and agrees to take on responsibility if rent payments are not met. This is a very common and helpful way to secure a tenancy if your income or work situation is still developing.

Our Goal: A Tenancy That Works for Everyone

We want to help you secure a home that suits your needs and is financially sustainable. The referencing process is there to help protect both you and the landlord, and we are here to support you every step of the way.

If you have any questions, concerns, or would like guidance before applying, please just ask - we’re always happy to help.