When it comes to rental reference checks, no one really enjoys them but in most cases they are very cut and dry since all a landlord (or letting agent) is looking for here is proof that you can afford the rent where applicable and also take good care of the property. Checklist for the UK to get started, use this checklist:
1) Have your paperwork sorted (before you start booking viewings!)
Photo ID: for example, passport or driving licence
Proof of address, like a current utility bill, council tax bill or bank statement
If applicable, your Right to Rent documents: Your agent should help you with this
Employment contract, payslips (3 months worth)
Bank statements (generally 3 months) showing income and rent affordability
Top tip: Save every single thing as a transparent PDF you can email within seconds. For advice from a Gloucester Letting Agency, visit www.tgres.co.uk/
2) Affordability (and be realistic!)
The majority of checks are looking for you to meet rental affordability. If you are barely meeting your rent here is what to be prepared with;
Other earnings (bonuses, benefits, second job)
Savings you can evidence
Will they accept a higher deposit (if offered & agreed)?
If affordability is a struggle, find out about guarantors early on.
3) Line up your references
You will probably need at least some of the following:
Employment reference (role, salary and permanency)
Landlord/agent reference (rent paid on time and property condition)
Accountant reference if you’re self-employed.
Let them know to respond so your referees are not caught off guard with last minute requests.
4) Address common red flags proactively
Problems with your credit file – review your own report and correct any mistakes, then be prepared to explain missed payments.
Prepare a simple, honest explanation for times with no job, for example.
Cons: These can result from name/address mismatches in which case you need to ensure the documents match with your application details.
Honesty matters. Surprises cause delays.
5) Have quick response time (faster responses get better rental properties)
Once you’ve applied:
Respond to e-mails and calls within 24 hours if you can
If you send out several loosely related documents in one message line them up as best they fit, but keep other notes to a minimum.
Inquire about the next steps and timeline for an answer.
Quick checklist to copy
ID and proof of address
Payslips/contract and bank statements
Documents for Right to Rent (if required)
References (employer and landlord)
Guarantor details ready (if needed).