Smarter, In-Depth
Tenant Referencing

Our AI and team analyze real financial behavior - income, spending, and affordability - to reveal the true picture that credit reports and traditional referencing miss.

Pay only for Tenants who passGet results in 24hrs

Start Referencing

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Every Passed Tenant Qualifies For Rent Protection Insurance

Traditional Tenant Referencing

Traditional referencing companies pass or fail tenants, then walk away. If your 'approved' tenant defaults, you're on your own dealing with insurance claims and disputes.

The Husmus Way

When we say a tenant is reliable, we're willing to insure them ourselves. No squabbling at claim time.

This is complete alignment with your goals. We only succeed when you succeed.

We Don't Just Check Credit Reports—We Verify Real Financial Behaviour

Most referencing services rely on credit scores and uploaded documents. Fraudsters can fake both. We go deeper.

Real-time Income Verification

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

Spending Pattern Analysis

Affordability, rent payments, bill payments and financial stability indicators.

Comprehensive Fraud Checks

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

Biometric Identity Verification

We verify the person applying is who they say and give you a head start on Right to Rent

The result? You see if they can actually afford your property—not just if they have a good credit report.

Only pay for successful assessments

Simple Pricing, Incredible Value

Essential

£30per vacancy

Best for when you have one specific tenant in mind

Returns one successful tenant (screen multiple people, receive one success)

Unlimited screening per vacancy (we screen until one passes)

Full, comprehensive report (financials, fraud/crime watchlists, ID, rent payments)

The Shortlist

£60per vacancySave 20%

Best for high demand homes or when you want to compare options

Returns three successful tenants (screen multiple people, receive options)

Unlimited screening per vacancy (we screen until you have three options)

Full, comprehensive report (financials, fraud/crime watchlists, ID, rent payments)

Are you an Agent or Portfolio Landlord?

What we actually check

Our AI uses thousands of data points to see what really matters.

Real Financial Picture:Secure Open Banking integration verifies income and spending for a real-time view of what a tenant can afford.

Verified History:We analyze verified rent payment history and flag for known issues like property damage (where available).

Income Stability:Our AI assesses employment patterns, not just current status, accommodating diverse income types (self-employed, gig economy, pensions, benefits) – we focus on income presence and stability.

Advanced Fraud Detection:Robust ID verification, data cross-referencing, and AI-powered pattern recognition actively identify and flag suspicious applications.

Inclusive Assessment:By focusing on the complete financial picture, we provide a fair assessment for reliable tenants often missed by rigid traditional checks.

Loved by landlords and agents

Husmus solves a huge worry for me. Fraudsters are getting smarter and more sophisticated by the day and I'm a small landlord. I don't have the resources to keep up.

- Mark Accidental Landlord

They managed to find a tenant that was using a fake passport! Can you imagine that. If they were lying about that, goodness knows what else was a lie. Thank you so much!

- Julie Portfolio Landlord

To be honest, your behavioural assessment is the best thing I've heard. I've rented to people who sounded great on paper and ended up being nightmares who trashed my house. They were doctors!

- Amy Small Landlord

Make Smarter Decisions, Faster

Reduced Risk

More accurately predict affordability and tenant reliability

Increased Speed

Fill vacancies faster, reducing void periods

Improved Efficiency

Cut down on admin time and costs associated with manual checks

Pay for Success

Tenant failed? No problem. We keep assessing until we find a suitable tenant

Enhanced Eligibility

Identify reliable tenants missed by traditional methods

Confident Decisions

Base your approvals on comprehensive, data-driven insights

Want additional cover?

All our tenants are eligible for Husmus Rent Protection. Plus get

Tenant Shield

Replace deposits, guarantors and other security

from £9/month

Rent Shield

Protect your rent and property. Includes legal support

from £12/month

Landlord Insurance

Protection for the home and stuff in it. Can include boiler & home emergency cover

from £10/month

Smarter, In-Depth
Tenant Referencing

As seen on