Renter RentPassport®
| Affordability Calculation = 40% of average monthly income |
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Screening Result |
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| Instant RentPassport® | |||
Credit History |
❖ Experian Credit rating is ≥ Poor.
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❖ Not Lived in the UK. ❖ Experian credit profile not found. ❖ Experian Credit rating is Very Poor. |
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Adverse Credit Data |
❖ No adverse data. | ❖ 1x satisfied CCJ with a value up to £300. | ❖ 2 or more satisfied CCJ’s of any amount. ❖ Any satisfied CCJ’s over £300. ❖ Any active CCJ’s. ❖ Any Declared bankruptcy or IVA. |
Income |
❖ Income verified via Open Banking Data or manual verification. |
❖ No income: ❖ Employed on a zero hours contract. |
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Rental History |
❖ Rental Payments are verified via Open Banking Data or self-certified. ❖ No Previous Rental History. ❖ Homeowner* |
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| Full RentPassport® | |||
Employment Reference
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❖ Satisfactorily received information. |
❖ Employed applicant - unable to provide a reference. ❖ The employment type is a contract. ❖ The employment type is a zero hours contract. |
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Landlord Reference |
❖ Satisfactorily received information. | ❖ Unable to provide a reference. ❖ Rent arrears and/or damage present BUT landlord “would rent to tenant again". |
❖ Rent arrears and/or damage present AND landlord “would NOT rent to tenant again”. |
Guarantor RentPassport
| Affordability Calculation = 33% of average monthly income | |||
| All referencing rules outlined above are the same for a guarantor | |||
Residency |
❖ The guarantor is UK based. | ❖ The guarantor is not UK based. | |
*This is not verified.
For further information on our Referencing Criteria, please click here.
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