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References for renting
Most landlords and letting agents want to see references before they’ll let a house to you. This will give some assurance you’ll look after their property and pay rent on time.
Reference checks
There are three types of checks done when you apply to rent a property:
- Right to rent – A check to see if you can legally rent a property in the UK.
- References for renting – References from a previous or current landlord, or your employer.
- Credit checks – Analysis of your credit history. This is to check your borrowing record and that you are in a sound financial situation.
Right to rent
The landlord or letting agent will need you to know that you have the legal right to rent in the UK. You’ll also need to have documentation for any other adults living at the property with you.
This is usually a current passport, UK driving licence or your immigration documents.
Let your landlord know if you’re waiting for an immigration decision from the Home Office. They can contact the Home Office to get confirmation of your application.
If you have applied for settled or pre-settled status from the EU Settlement Scheme, the Home Office will send a ‘share code’ or ‘certificate of application’. You can use this to prove you have the right to rent to a landlord or letting agent.
You can find more information at Gov.uk.
Giving references
You’ll need to give contact details of previous or current landlords. This is to check you paid rent on time and looked after the house.
For first-time renters, you’ll most likely be asked for a reference from your employer. This should be your manager or HR representative. They’ll be able to confirm salary and employment status.
You may also need documentation such as a P60 or three months of payslips.
You may also be asked to give a character reference. This should be from someone who has known you for at least two years and is not a relative.
Don’t forget to let all your references know that you want to use them as a reference. Get permission to share their contact details.
Credit checks
A credit check is a look at your credit history and borrowing. It helps landlords and letting agents see how you handle financial responsibility.
A credit reference agency carries out credit checks. The cost of a credit check may be included with the fees you pay when arranging to rent a property.
It’s best to be honest and upfront with the landlord before you get credit checked. If you know that you have a poor history, but your situation has now improved, it’s best to let them know. If your credit score is low, you might be asked to have a guarantor.
Tips for passing rental referencing checks
Here are some tips and advice on passing your landlord’s checks and getting in your new home as quickly as possible:
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