Will I Pass?

The short answer is — probably. Over 95% of reference checks come back fine.


The most common reasons for prospective applicants failing referencing is low income, a negative landlord reference or poor credit history which may have led to a CCJ, Bankruptcy or IVA.


In this day and age, it’s sensible practice for everybody to keep an eye on their own credit history, just in case mistakes crop up or unpaid bills you don’t know about are holding you back. You can do this via our credit checking partner, Equifax, here. We’ll also make a practical assessment of your finances taking into account any wages, savings, benefits, grants etc which you may have.

Depending on the exact circumstances the formula can vary, but as a rule of thumb, tenants must have either a total monthly income of at least 2.5x the monthly rent, or savings equal to 2.5x the annual rent, or a combination of both.

Depending on your circumstances credit history problems can often be resolved by naming a guarantor. If there’s a problem with your credit history we’ll call you and discuss your options and the possibility of a guarantor.

For guarantors, the same formula applies, but guarantors must make 3x the rent, as they have their own living costs to cover.

If you would like to chat with one of our advisers about this, feel free to give us a call on 0191 256 0920.