Wondering what documents you need to pass referencing?

2 women sitting on the floor

First, you must be able to pass Right to Rent checks.

The Right to Rent check shows that a tenant or lodger has the right to rent a property in the UK. We will ask to see and take copies of original documents. Below are a selection of documents you could provide:
A valid passport
A valid EEA national ID card
A valid UK driving licence
Original UK birth certificate
If you are from overseas then we will need to make sure that your right to stay in the country hasn’t ended. We will ask for a valid visa or a Biometric Residence Permit (BRP) and your Home Office share code.

Second, you must be able to pass an affordability check.

To pass referencing the combined tenant(s) earnings need to be a minimum of 30x the monthly rent. For example:
If the rent is £1000 per month. The combined earnings of the tenants would need to be a minimum of £30,000 per year.
Our referencing supplier will require proof of this income.

If Employed:

3 months payslips;
and 3 months bank statements.

If Self-Employed:

Most recent tax return (SA302);
and 3 months bank statements.
If your income falls short of the affordability, you will need a guarantor. The guarantor will need to be earning 36x the monthly rent to pass their affordability check and will need to provide the same documents as above.

How Much Rent Can You Afford?

Use our handy affordability tool below to see what rent you can afford to pay per month 🗝️
If you haven’t heard of flatfair already they are the simple, safe and affordable alternative to tenancy deposits.

Instead of an expensive deposit, tenants simply pay flatfair a small one-off membership fee and cover the cost of any established charges at the end of their tenancy. Without an expensive upfront deposit, flatfair gives landlords a competitive advantage; their properties become more affordable and attractive to a wider scope of tenants. This also helps in reducing voids.

Flatfair helps tenants and landlords settle end of tenancy charges quickly, fairly and securely, whilst protecting everyone through Independent Dispute Resolution. They facilitate fast resolution of charges and disputes with tenants – in fact, landlords may even sell them unpaid established charges up to a total value of 12 weeks’ rent. If worse comes to worst, you can appoint flatfair to recover any additional sums at no cost.
Tenant? Click here to learn more.

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