Comprehensive Tenant Referencing

Unlike other referencing agencies, we only provide one service – the fully comprehensive tenant reference check. At landlord protect, we believe every landlord deserves the highest level of protection, which is why we don’t cut corners.
We are committed to delivering the most detailed, accurate, and thorough reference reports available. Our comprehensive checks cover everything from credit reports, financial affordability and employment verification to residential history and right to rent checks, giving you the full picture of a potential tenant’s background.
By focusing solely on this one service, we ensure that each report meets the highest standards, giving you the confidence and peace of mind you need when selecting tenants. At landlord protect, we don’t compromise on quality – because your protection matters most.

A Full Credit Check

A Full Credit Check includes a detailed assessment of a potential tenant’s financial history, covering the following key areas:

1. Credit Score – A numerical representation of the tenant's creditworthiness based on their financial behaviour and history.

2. CCJ (County Court Judgments) – Any legal judgments against the tenant for failing to pay debts, which can negatively affect their credit score.

3. IVA (Individual Voluntary Arrangement) – A formal arrangement between a debtor and their creditors to repay debts, which may indicate financial distress.

4. Bankruptcies – Whether the tenant has previously been declared bankrupt, which can significantly impact their ability to secure credit.

5. Debt Management Plans (DMPs) – Indicates if the tenant has a structured repayment plan with creditors to manage outstanding debts.

6. Outstanding Debts – Any current outstanding debts or defaults that the tenant has, which can signal financial instability.

7. Missed or Late Payments – Records of payments that were missed or paid late, which can reflect on their reliability to meet financial obligations.

8. Credit Applications – Information on recent credit applications, helping assess if the tenant is seeking more credit, which could impact their ability to pay rent.

9. Credit Utilisation – The proportion of available credit the tenant is currently using, which can indicate financial stress or responsible credit management.

Income Checks

Our Income Check service provides a thorough verification of a tenant’s income to ensure they have the financial stability to meet rental payments. We use a combination of trusted sources to gather accurate information, including:

1. Open Banking – We securely connect to the tenant's bank account, using open banking technology to verify their income directly from transaction data. This offers an up-to-date and detailed view of the tenant’s financial situation, ensuring that they have a consistent and reliable income stream.

2. HMRC (Her Majesty’s Revenue and Customs) – For those who are self employed we may cross-reference the tenant’s income with official HMRC records, confirming their earnings through tax submissions and other government sources. This adds an extra layer of verification to ensure the accuracy of the information provided.

3. Payroll Providers – We also verify income directly with the tenant's employer or payroll provider, confirming their salary, job stability, and any other relevant details about their employment status.

By combining these methods, we offer a comprehensive and reliable assessment of a tenant’s income, ensuring landlords can make informed decisions based on accurate financial data.

Previous Landlord Checks

At landlord protect, we believe that a tenant’s past rental history is a crucial indicator of their reliability and responsibility.

Our Previous Landlord Reference Checks provide valuable insight into how a potential tenant has behaved in previous tenancies.

We reach out to the tenant’s prior landlords to verify key details such as payment history, whether the tenant maintained the property, and if there were any disputes or issues during the tenancy.

This check helps us assess the tenant’s behaviour, reliability in paying rent on time, and overall respect for rental properties.

By including these references in our comprehensive report, we give landlords a clearer picture of the tenant’s track record, helping to reduce the risk of problematic tenancies and ensuring a smoother, more reliable renting experience.

Electoral Roll Confirmation and Linked Addresses Search

Our Electoral Roll Confirmation and Residential History/Linked Addresses Search provide a thorough look into a tenant’s past addresses, helping landlords confirm their identity and establish a consistent history.

Electoral Roll Confirmation – We verify whether the tenant is registered on the electoral roll, a public record that helps confirm their identity and address history.

Linked Addresses Search – Our search goes beyond the electoral roll to include other address links and past residences, helping us uncover any other properties the tenant may have lived at.

Right To Rent Checks

Our Right to Rent Checks ensure that your prospective tenants have the legal right to reside in the UK, helping you stay compliant with immigration laws.

As part of the UK government’s requirements for landlords, it’s essential to verify that a tenant holds the appropriate immigration status and visa (if necessary) before they can legally rent a property. We carry out these checks by verifying documents such as passports, biometric residence permits, or other official documents that prove their eligibility to rent.