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    AI + human referencing

    Referencing that sees the real tenant.

    Our AI and team read real financial behaviour — income, spending and affordability — to show the true picture credit reports and traditional referencing miss.

    Start referencingView pricing
    • Pay only for tenants who pass
    • Results in 24 hours
    app.husmus.net/report/james-okafor
    JO
    Josie Bennett
    Eligible for Husmus Rent Protection
    Maximum rent
    The most rent we can cover for
    £1,700
    Risk factors
    Income & rent history
    Finances
    Identity
    Reject
    Accept tenant
    Every check verified — income, ID, finances, fraud
    Passed means insurable — we back this tenant
    As seen onITVPropertyWireBLALandlordZONE
    Loved by landlords & agents

    Real relief, in their words

    ★★★★★
    "Husmus solves a huge worry for me. Fraudsters get smarter by the day and I'm a small landlord — I don't have the resources to keep up."
    Mark
    Accidental landlord
    ★★★★★
    "They caught a tenant using a fake passport. Can you imagine? If they were lying about that, goodness knows what else. Thank you so much."
    Julie
    Portfolio landlord
    ★★★★★
    "Your behavioural assessment is the best thing I've heard. I've rented to people who looked great on paper and were nightmares. They were doctors!"
    Amy
    Small landlord
    What we verify

    We don't just read credit reports — we verify real behaviour

    Most services rely on credit scores and uploaded documents. Fraudsters can fake both. We go deeper, across thousands of data points.

    Real-time income verification

    Via HMRC and payroll integration. We verify actual income, not a salary stated on a form.

    Spending pattern analysis

    Affordability, rent payments, bills and the financial-stability signals that actually predict a good tenancy.

    Comprehensive fraud checks

    UK & EU sanctions lists plus National Fraud Database screening on every single applicant.

    Biometric identity verification

    Confirms the applicant is who they say — and gives you a head start on Right to Rent.

    Pricing

    Simple pricing. Pay only for success.

    We screen as many applicants as it takes. You only pay when a tenant passes.

    Essential

    When you have one tenant in mind.

    £30per vacancy

    • One passed tenant returned
    • Unlimited screening per vacancy
    • Full comprehensive report
    Get started

    The Shortlist

    Most popular

    High-demand homes, or comparing options.

    £60per vacancySave 20%

    • Three passed tenants returned
    • Unlimited screening per vacancy
    • Compare and choose the best fit
    Get started

    Agent or portfolio landlord? View subscription pricing

    Skin in the game

    Every tenant we pass, we're willing to insure

    Traditional referencing

    Pass or fail, then they walk away

    If your "approved" tenant defaults, you're on your own — left dealing with insurance claims and disputes nobody wants to own.

    Relies on credit scores & uploads
    No stake in whether it works out
    The Husmus way

    We insure the tenants we approve

    When we say a tenant is reliable, we mean it enough to cover them ourselves. No squabbling at claim time — we only succeed when you do.

    Verifies real financial behaviour
    Backs its call with Rent Protection
    See how Rent Protection works
    How it works

    See exactly what happens

    Three simple steps from invite to insured. Here's what you and your tenant actually see.

    Step 01

    Invite your tenant in seconds

    Add their name, email and the property. We send a secure link — no forms for you to chase, no PDFs to collect. It takes them about 10 minutes on their phone.

    • One link does everything — ID, income, history
    • Offer Rent Protection at the same time
    husmus.net/application/link

    Invite a tenant!

    3 Elm Court, Bristol, BS1 4ST
    Share this link with your applicants
    yourcompany.com/apply/·····
    Or input their email below and we'll invite them for you.
    Type an email address and press enter to add multiple recipients.
    Skip
    Continue
    Step 02

    Track every applicant in one place

    Watch each check complete in real time. Screen as many applicants as you like per vacancy — we keep going until you have a tenant who passes.

    • Live status on every check
    • Each tenant evaluated as an individual
    husmus.net/application/reports
    All assessments
    Start new
    3 more assessments on Jul 06, 2026
    2/5
    Amara Okonkwo2/2
    22 Elmfield Road, Leeds, LS8 1BS
    Verified on 09.05.2026
    Pass
    Daniel Foster1/4
    15 Priory Court, Cardiff, CF11 9LJ
    Started on 07.05.2026
    Waiting on tenant
    Ryan Cole1/4
    15 Priory Court, Cardiff, CF11 9LJ
    Verified on 21.05.2026
    Fail
    Step 03

    Read the real financial picture

    Not a credit score — a clear view of income sources, affordability and payment behaviour. See whether they can actually afford your property, and decide with confidence.

    View a sample report
    app.husmus.net/report/james-okafor#behaviour
    Income & rent history
    32%of income
    Verified income
    Salary · monthly£3,600
    Freelance · avg£600
    Rent paid on time24 / 24 months
    Spending stabilityStrong
    Self-employed & gig income counted fairly
    Why landlords switch

    Smarter decisions, faster

    Reduced risk

    Reduced risk

    Predict affordability and reliability far more accurately.

    Increased speed

    Increased speed

    Fill vacancies faster and cut costly void periods.

    Less admin

    Less admin

    Cut the time and cost of manual document chasing.

    Pay for success

    Pay for success

    Tenant failed? We keep assessing until one passes.

    Fairer eligibility

    Fairer eligibility

    Spot reliable tenants that rigid traditional checks miss.

    Confident decisions

    Confident decisions

    Approve on comprehensive, data-driven insight.

    Want more protection?

    Every passed tenant unlocks more cover

    All our tenants are eligible for Husmus Rent Protection. Add the cover that fits.

    Tenant Shield

    Tenant Shield

    Replace deposits, guarantors and other security.

    from £9/moLearn more →
    Rent Shield

    Rent Shield

    Protect your rent and property. Includes legal support.

    from £12/moLearn more →
    Landlord Insurance

    Landlord Insurance

    Protect the home and its contents. Boiler & home emergency optional.

    from £10/moLearn more →
    FAQ

    We know you'll have questions

    What is tenant referencing?
    It's the detailed background check that tells you whether a prospective tenant can afford your property and is who they say they are. Husmus goes further than a credit score and debt review, we know that many tenants with poor histories do not end up with a CCJ. We verify real income, spending and rent-payment behaviour.

    To learn more read our ultimate guide to tenant referencing.
    What do you mean by only pay for success?
    Your payment goes towards a passed tenant. We'll screen as many applicants as it takes for a single vacancy at no extra cost — if someone fails, we keep assessing until you have a tenant who qualifies. Note that we assess in order of application.
    What if an applicant doesn't use Open Banking?
    Open Banking gives the clearest picture, but it isn't the only route. Genuine tenants who are keen to move forward rarely have an issue with being transparent. However, we can work from verified payroll and HMRC data, and our team reviews edge cases so reliable tenants aren't unfairly excluded.
    Is Open Banking safe?
    Yes. It's bank-level, read-only and FCA-regulated — the tenant grants access through their own bank, we never see login details, and access can be withdrawn at any time.
    My tenant isn't in permanent employment — can you help?
    Absolutely. We assess income presence and stability, not just job titles — so self-employed, gig-economy, pension and benefit income are all counted fairly.
    How is this fairer for tenants?
    By looking at the complete financial picture rather than a rigid credit score, we approve reliable tenants that traditional checks routinely miss — without the long forms.

    Didn't find what you need? Head to our help centre

    Start referencing in minutes

    Invite your tenant, see the real picture, and only pay when someone passes.

    Start referencingView a sample report

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    Husmus is a trading name of Husmus Ltd. Husmus Ltd is incorporated in England and Wales (company number: 11517165). Our registered address is 13 Freeland Park, Wareham Road, Lytchett Matravers, Poole, BH16 6FA. Husmus is an appointed representative (Reference Number 953270) of Xact Risk Solutions Limited who is authorised and regulated by the Financial Conduct Authority (FCA), reference number 590914. We are also registered with the Information Commissioners Office in relation to the processing of personal information (registration number: ZA525898).