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    How referencing works

    Six layers of vetting. One recommendation.

    Multi-bureau credit, active face-match liveness, document AI fraud detection, Right to Rent and AML — every reference, in 48 hours, with the evidence attached.

    The check stack

    We score the evidence.

    1. Digital ID verification

      Passport, driving licence or national ID, validated for authenticity.

    2. Active liveness selfie match

      Face-matched to the ID in real time using anti-spoof technology.

    3. Document AI fraud detection

      Payslips and bank statements checked for tampering and forgery.

    4. Comprehensive credit check

      Full credit history, CCJs, bankruptcies and electoral roll, sourced through CreditSafe.

    5. AML / PEP / sanctions screening

      Global watchlists, refreshed daily.

    6. Right to Rent check

      Home Office compliant verification.

    7. Employer verification

      Direct phone or email confirmation of role and income.

    8. Previous landlord verification

      Direct contact, with proof of the conversation.

    9. Affordability calculation

      30× rule plus a monthly-outgoings model.

    Bureau partners

    Multi-bureau, for completeness.

    CreditSafe

    Our primary credit reference agency

    Learn more →
    TransUnion

    Credit reference data

    Learn more →
    Experian

    Credit reference data

    Learn more →
    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.

    We process seven days a week, 12 hours a day. Walk into Monday with answers, not chasers.

    Download a sample report (PDF)
    See the tenant criteria we score against →

    Exactly what counts as a Pass, Refer or Fail.

    Protect your fee with Rent & Legal Insurance →

    Aviva-backed cover on pre-approved references.

    Referencing FAQs

    The detail.

    Where does the credit data come from?+
    CreditSafe is our primary credit reference agency, 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 real-time face match between the applicant and their ID document, with anti-spoof checks — not a photo of a photo. It confirms a real human, in real time.
    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. £14.

    Run your first reference today, or book a demo to see the whole platform and lock in volume pricing.

    Start a Reference — £14Book a Demo →

    No card. No contract. HONK.