Tenant Referencing For Dummies

Tenant Referencing For Dummies

Looking for a new reference provider who will conduct more stringent checks…

17 May, 20160 Comments
Dear Samii Hello, I hope you can help me. I’m a private landlord who has recently suffered a significant financial loss as a result of a tenancy gaining a lease that in my opinion they should never have been offered. One of your competitors completing the referencing on our behalf and the tenant seem to
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How do you ensure your database is as comprehensive as possible?

16 May, 20160 Comments
Dear Samii This is great oriented at Landlords and letting agencies as Experience and like does not really apply to tenants reference. What procedure do you have in place to ensure your database is as comprehensive as possible? How do you encourage all agencies and landlords to report to you how their current or past
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Why do you need my national insurance number?

13 May, 20160 Comments
Dear Samii My reference is currently being processed, so I just wanted to know why you need my National Insurance number? Samii says At Tenant Referencing UK in order to proceed with your reference we need your National Insurance number because: It is proof of your identity, It proves your right to work in the UK. You
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Info on the referencing process that I can share with my applicant tenants

11 May, 20160 Comments
Dear Samii Do you have any information on the referencing process that I can share with my applicant tenants please? Samii says Of course, and it’s great to hear that you want to be completely transparent with tenants on the referencing process. Hopefully you’ll be able to use the following to effectively communicate with future tenants: The
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Is the Noddle credit reference any good?

05 May, 20160 Comments
Dear Samii My tenant appears to have a problem with their credit score, which is very low. They say its probably due to having split addresses and that they’ve recently applied to change their entry on the electoral role to their current address but it hasn’t come through yet. They’ve now provided a credit report
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Non-assured tenancy agreement – Is this eligible for RGI?

29 April, 20160 Comments
Dear Samii I am considering accepting a tenant but the appropriate tenancy for her is a non-assured tenancy agreement because 1) She is retaining another property she owns in London, and 2) I am a resident landlord in the property which shares the use of part of the building. Both make a non assured agreement
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Do you use 30x Gross income or 30x take-home pay after taxes?

28 April, 20160 Comments
Dear Samii Do you check Tenant affordability by asking them to provide you with six months’ payslips and six months bank statements?  When you check affordability do you use 30x Gross income or 30x take-home pay after taxes? Samii says It depends on their status. We request 6 from self-employed but minimum of 3 as
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Does a guarantor have to be a home owner?

27 April, 20160 Comments
Dear Samii Does a guarantor have to be a home owner? Samii says No, in theory they could be renting their home. However they must be financially sound to support the tenant should anything go wrong, so they should be referenced in the same way as the applicant. There are two types of guarantor that DAS will accept for
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Are CCJs registered on a tenants credit file automatically ?…

26 April, 20160 Comments
Dear Samii Are CCJs registered on a tenants credit file automatically? If not, how do I get my judgements registered? Samii says No it is not automatically registered, which is why the Tenant Referencing UK system is such a useful tool for landlords and letting agents who’ve been left with unpaid rent arrears and/or property damages. If
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