Late evidence updates the answer
A completed reference reopens, is reassessed and sends a regenerated Updated report when new evidence arrives.
How referencing works
The full check stack. One recommendation.
Multi-bureau credit, active face-match liveness, anti-fraud document scanning, Right to Rent and AML — every reference, in 48 hours, with the evidence attached.
The check stack
We score the evidence.
Digital ID verification
Passport, driving licence or national ID, validated for authenticity.
Active liveness selfie match
Face-matched to the ID in real time using anti-spoof technology.
Anti-fraud document scanning
Payslips and bank statements checked for signs of tampering.
Comprehensive credit check
Full credit history, CCJs, bankruptcies and electoral roll, sourced through TransUnion & CreditSafe.
AML / PEP / sanctions screening
Global watchlists, refreshed daily.
Right to Rent check
Home Office compliant verification.
Employer verification
Direct phone or email confirmation of role and income.
Previous landlord verification
Direct contact, with proof of the conversation.
Affordability calculation
30× rule plus a monthly-outgoings model.
Open Banking evidence
Applicant-permissioned banking data can support income and affordability checks.
IP verification
Connection signals add another layer to the identity and application evidence.
The smart handling
The awkward cases, handled properly.
Good referencing is not only the first result. It is what happens when evidence is late, verbal, shared or thin.
Email, SMS and phone all count
Applicants and guarantors get email and SMS nudges. Structured verbal employer and landlord references appear in the report like written replies.
Joint applications stay joined up
Household affordability is combined, shared guarantor cover is not double-counted, and the group gets one certificate alongside individual reports.
Context stays clear
A new-to-UK bureau no-match is shown as a no-match, personal referee email domains are flagged for review, and evidence is named precisely, for example payslips or bank statements, never just document.
Data & identity partners
Known sources. One report.
Anti-fraud
A real human, in real time. Not a photo of a photo.
Active face-match liveness pairs the applicant with their ID and checks for spoofing — so the person you reference is the person who moves in.
The morning-meeting promise
On your desk before your 9am.
Same promise as the rest of PropertyGoose: seven days a week, 12 hours a day, so the report is waiting when you are.
Download a sample report (PDF)Referencing FAQs
The detail.
Where does the credit data come from?+
Our credit data is sourced from TransUnion & CreditSafe, providing full credit history, CCJs, bankruptcies and electoral-roll verification on every comprehensive reference.
How long does a reference take?+
48 hours typically, with a 24-hour fast-track option. We process seven days a week, so reports often land before your morning meeting.
What is active liveness?+
A live face match against the ID document, with anti-spoof checks built in.
What happens if a reference doesn't pass?+
You get an evidence-based recommendation with the underlying findings, so you can decide whether to request a guarantor or decline. You see the proof; you make the call.
Proof, not promises
Start a reference. £7.50.
Run your first reference today, or book a demo to see the whole platform and lock in volume pricing.
Clear price. PAYG has no contract. HONK.