{"id":2647,"date":"2021-10-18T09:00:58","date_gmt":"2021-10-18T08:00:58","guid":{"rendered":"https:\/\/www.helloacasa.com\/acasa-blog\/?p=2647"},"modified":"2021-10-13T11:09:01","modified_gmt":"2021-10-13T10:09:01","slug":"everything-you-need-to-know-about-being-referenced","status":"publish","type":"post","link":"https:\/\/www.helloacasa.com\/acasa-blog\/2021\/10\/18\/everything-you-need-to-know-about-being-referenced\/","title":{"rendered":"Everything you need to know about being referenced"},"content":{"rendered":"<p>You\u2019ve found a property to rent, secured it with a holding deposit, and received your offer letter. Next up: referencing.<\/p>\n<p>Referencing is the process that letting agents or landlords go through to make sure you\u2019ll be a good tenant and a suitable fit for the home you want to rent, before you sign the contract. Many agencies use other companies to handle the referencing process.<\/p>\n<p>There are several checks involved: to confirm your identity, and make sure you have enough funds to cover your tenancy, you have good credit, and your previous landlord thought you were a good tenant.<\/p>\n<p>Collecting the relevant information can take anything from 24 hours to up to a week. You can help by being open and honest and providing as much detail as you can. Incorrect details could delay your move in date.<\/p>\n<h3>Documents and checks<\/h3>\n<h4>Proof of identity<\/h4>\n<p>Your letting agent or landlord needs to confirm that you are who you say you are, so you\u2019ll need to provide identification. In England, you\u2019ll also have to show you have the right to rent. You can give this in the form of a passport, driver\u2019s license, a UK birth certificate, or a permit card\/visa. You can find the full list of valid forms of identification at\u00a0<a href=\"http:\/\/www.gov.uk\/\" target=\"_blank\" rel=\"noopener\">gov.uk<\/a>.<\/p>\n<h4>Proof of income and\/or employment<\/h4>\n<p>Recent pay slips, bank statements, and\/or proof from your employer of your current salary will determine if your funds can cover the rent for your new tenancy. Your salary would normally need to be 2.5 times your share of the rent for this to be accepted. You can let your employer know in advance that they may need to give this information to speed up the process.<\/p>\n<p>If you are self employed, you will need to provide a tax return or reference from your accountant.<\/p>\n<p>With certain online banking providers, you can also opt in to Open Banking, and grant permission for the relevant information on rental payments and income to be shared. You can learn more about open banking at\u00a0<a href=\"http:\/\/openbanking.org.uk\/\" target=\"_blank\" rel=\"noopener\">openbanking.org.uk<\/a>.<\/p>\n<p>If there\u2019s an issue at this stage, you may require a guarantor. They agree to pay the rent or any damages if you cannot and so will have to undergo a similar referencing process and credit check. These checks will require a higher salary to rent ratio, to demonstrate your guarantor\u2019s ability to cover their own living costs, as well as any potential extras you may not be able to cover. You should keep in mind someone who could fulfil this role.<\/p>\n<h4>Previous landlord\u2019s reference<\/h4>\n<p>Your last landlord may be asked to comment on your tenancy. You can let them know in advance that this information will be requested to get a speedy response. You may also be asked to provide a bank statement, showing your latest rent payment, and current tenancy agreement.<\/p>\n<h4>Credit checks<\/h4>\n<p>These checks require your permission to go ahead. Your agency or landlord will use a credit reference agency to do a \u2018soft check\u2019 of your credit history. This gives an overview using publicly available data, such as if you\u2019re listed on the electoral roll, rather than the in-depth \u2018hard check\u2019 required for a full credit application, and so your credit score won\u2019t be affected.<\/p>\n<p>Once your letting agent or landlord is happy with all the information you\u2019ve proved, they will send you the tenancy agreement to sign and you can start\u00a0preparing to move in.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You\u2019ve found a property to rent, secured it with a holding deposit, and received your offer letter. Next up: referencing. Referencing is the process that letting agents or landlords go through to make sure you\u2019ll be a good tenant and a suitable fit for the home you want to rent, before you sign the contract. [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":2649,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,6,13],"tags":[],"class_list":["post-2647","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-featured","category-houses-for-rent","category-moving"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Everything you need to know about being referenced - acasa Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.helloacasa.com\/acasa-blog\/2021\/10\/18\/everything-you-need-to-know-about-being-referenced\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Everything you need to know about being referenced - acasa Blog\" \/>\n<meta property=\"og:description\" content=\"You\u2019ve found a property to rent, secured it with a holding deposit, and received your offer letter. 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