Tenant referencing for savvy landlords
Tenant referencing is a vital part of the tenant onboarding process. Finding out information on who your applicants are, their financial as well as rental behaviour is the best way to secure your income and peace of mind. Husmus tenant referencing gives you all of the information you need to make an informed decision before you proceed with a tenancy.
Our methods are thorough, convenient and timely. We do all the heavy lifting so you can kick back and concentrate on decision making. All we need to start is a name, email address and phone number.
Start reference Watch videoChoose one of our three tenant referencing packages
Basic+
£19.95 (inc VAT)
In addition to the basics, we will verify identity and Right to Rent keeping you compliant.
- Instant
- Credit Check - Adverse history such as CCJs and bankruptcy
- Background Check - Linked addresses and aliases
- Proof of Address - Confirmation of current address through recent documentation
- Right to Rent Check - Comply with legislation and verify applicants identity and eligibility to rent
Pro
£39.95 (inc VAT)
For the pros. You get a full assessment of the financial position using banking transactions.
- Instant
- Credit Check - Adverse history such as CCJs and bankruptcy
- Background Check - Linked addresses and aliases
- Proof of Address - Confirmation of current address through recent documentation
- Right to Rent Check - Comply with legislation and verify applicants identity and eligibility to rent
- Rent Payment History - Confirmation of long term rent payment behaviour
- Income Check - Confirmation of income sources
- Affordability Check - Determine rent affordability based on disposable income
- Landlord Reference - Requesting current landlord or managing agent reference
Join hundreds of satisfied landlords
Seriously, it is good and ultimately all those checks are mainly just time consuming for me.
It was so easy to do. My landlord even received my reference only 5 minutes after I finished providing the information!
Super efficient and responsive. Got the referencing report for my tenants on a Sunday! Will def. work with them again :)
Why you need tenant referencing
If your primary objective is to generate rental income from property a non-paying tenant is THE biggest risk to your business. Evicting a tenant takes on average 7 months in the UK. These costs can be in excess £4,000 not to mention the lost rent.
Tenant referencing is the process of verifying a rental applicant's suitability. It enables landlords and letting agents to find out more about rental applicants so they can make an informed decision before signing a contract. As you can see from our packages there are various levels of references available, depending on the desired level of thoroughness and your risk tolerance.
To learn more read our ultimate guide to tenant referencing.
Why should you choose Husmus?
Instant peace of mind
Ultimately, all landlords want to know if their rental applicant can and will pay the rent. We know that the best predictor of future behaviour is past behaviour! We focus on financial analysis using tenant bank statements obtained directly from their bank to make sure that they have a history of rent payment and the income to support their lifestyle plus your rent.
Our Pro referencing report gives you all the information you require to make an otherwise difficult choice very easy. Why take chances when you can have certainty?
Start referenceHow does Husmus compare?
| Husmus Basic+ £19.95 |
Homelet Insight £30.00 |
Husmus Pro £39.95 |
Homelet Enhance £54.00 |
|
|---|---|---|---|---|
| Instant | ||||
| Credit Check - Adverse history such as CCJs and bankruptcy | ||||
| Background Check - Linked addresses and aliases | ||||
| Proof of Address - Confirmation of current address through recent documentation | ||||
| Right to Rent Check - Comply with legislation and verify applicants identity and eligibility to rent | ||||
| Rent Payment History - Confirmation of long term rent payment behaviour | ||||
| Income Check - Confirmation of income sources | ||||
| Affordability Check - Determine rent affordability based on disposable income | ||||
| Landlord Reference - Requesting current landlord or managing agent reference |
How it works
Order
Create an account and fill out your applicant's name, email address and phone number via a simple order form.
Contact
We notify your applicant and they fill out a secure application form.
Verify
Using the same rigour as mortgage and credit providers, we verify information and analyse your applicant's financial stability.
Report
Once all checks are completed we send you an easy to understand report. We encourage you to make the final decision.
Benefits of Husmus tenant referencing
Reduce time needed to assess applicants
All of our services are analysed and reported on instantly. From our TransUnion credit checks to our identity verification and our OpenBanking bank statement analysis.
Gain confidence in your chosen applicant
By using Husmus you will no longer be relying on the honesty of others. We base our ratings on hard data and evidence. We'll still ask, but now you don't have to take anyone's word for it.
24 hour service, 7 days a week
Found an applicant on the weekend or the dead of night and need a reference? No problem! With Husmus you can verify a tenant within an hour.
Take us with you wherever you go
Our mobile friendly application means that you can use and access our services from any location. Well, any with internet access.
Easy to use design
Husmus is designed for convenience. We have worked hard to ensure that landlords and tenants have a great experience using our service without compromising on quality or security. The easier it is to provide and view information, the quicker everyone can get clarity.
Compliance & GDPR
Husmus meets the stringent data protection and privacy requirements of GDPR and ICO so you don't have to.
FAQ
How long does it take?
Start to finish? It can be as little as 5 minutes. Creating your account and placing an order will take a couple of minutes. Remember all we need from you is your applicant's name, phone number and email address as well as your rent amount. Once we have received payment, we immediately send your potenial tenant a form.
The exact time they need to complete the application depends on the reference package you selected. On average our Basic, Basic+ and Pro references take 2, 5 and 10 minutes to complete. Our analysis takes less than 5 minutes. The longest part of our process is usually the time it takes for applicants to begin filling out the form so be sure to let them know that they will be hearing from us.
How are you able to perform a comprehensive reference so quickly?
Have you ever put in your details on a comparison site and received an immediate quote? Or received an instant reply on a credit card application? We use the same robust methods used by banks, financial institutions and insurance companies to give you a response as soon as possible.
We are able to make direct digital links to credit agencies and banks to obtain the information we need to assess your applicant. We do this because fraudsters have become very clever. These days it is very easy to fake payslips, bills and employment contracts. Some even go as far as to use friends/family as fake landlords and employers! However, by getting bank statements directly from banks and checking ourselves, we can help you avoid shenanigans.
Why can't I input the tenant data myself?
We need to get the express permission from the applicant to perform the checks. Although you may have already received this, to be compliant we need to receive this directly from the applicant. Additionally, our service includes identity verification and document analysis. These must be provided by the applicant themselves.
Are temporary workers welcome?
We believe that everyone should be able to live in a home they can afford! The UK has 1.5 million temporary workers contributing to our economy. At Husmus they will be treated like any other tenant. They must demonstrate that the income from their chosen career is enough to support their lifestyle and that they have been diligently making rent payments in full.