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Landlords and Tenant Referencing

Tenant Referencing Requirements
Information you require from prospective tenants

Tenant Referencing is a requirement of our Landlord Rent Guarantee & Legal Expenses policy.

You will need the tenants' full names, date of birth and current address and if at their current address for less than 6 months, their previous address also. Bear in mind that if a person's name appears on the Assured Shorthold Tenancy then they are regarded for legal purposes as a Tenant.

Requirements for Professional Tenants and the 4 Point Check
1. Identification from the tenant, containing a clear verified photograph
2. Either a utility bill showing existing address or a bank statement
3. Credit check that is clear of CCJ’s, bankruptcies & indicating confirmation of residency
4. Confirmation of employment – a written employers’ reference on company letter headed paper confirming your tenant’s permanent and current employment and that their salary is at least a multiple of 2.5 of the tenant’s rent (the documents must be no more than one month old from the start of the tenancy)
*Please note that if the 4-point check is applied & is in place, there will be no need to do a full profile – though in the event of a claim, the responsibility lies with the insured to produce the appropriate documents.

Other Important Information

You must ensure that you deal with the tenancy security deposit in the manner required by the Government - either insured or in the Government Tenancy Deposit Scheme. You must ensure that the tenant(s) are NOT given access to the property until you have cleared funds for both the initial deposit and the security deposit. You will not be required to show any of these documents before purchasing the insurance, but you will be required to produce all the above in the event of a claim.

Who can reference your tenants?
If your tenants are professional tenants in full-time employment and meet the 4-Point Check then a basic credit check from any UK referencing agency that is licensed by the Financial Conduct Authority is satisfactory.

What about prospective tenants that do not satisfy the 4 Point Check?
Such tenants must be referenced by one of our approved referencing agencies such as FLS (see below) and if necessary will need a guarantor who must also be appropriately referenced.

This link takes you to FLS, our approved referencing agency.

You can register for FREE and once registered you will receive a welcome email along with your account number and you will be able then to start the referencing process for your tenants.

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 Insurance logos for Brit Insurance, Aviva Insurance, AXA Insurance, Ageas Insurance, Novae Insurance, NIG Insurance and XL Catlin Insurance. is an information site. Seek independent legal advice before proceeding with any transaction. LandlordsandLetting is owned by Sureweb Ltd and acts as an introducer only. Rentguard policy conditions are always subject to Terms & Conditions of the relevant Rentguard Policy Document wording.©: Sureweb 2019
All the above is subject to the Terms & Conditions of the Rentguard Policy Wording. Rentguard is authorised and regulated by the Financial Conduct Authority.

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