Once I begin the upload process can I go back and change my documents?
Yes, your data will be saved until the next time you log in. However, please have all the relevant paperwork to hand before uploading it. If you upload the wrong documents, it will be possible to change them, however this will cause unnecessary delay to your tenancy application. This may therefore affect your ability to secure the desired property.
Yes, completing this section is compulsory to satisfy the requirements of our rental reference check.
How do I verify my identity and therefore my Right to Rent in the UK?
You may upload a copy of the photo page of your passport or national ID card.
I don’t have a passport - how do I verify my identity?
If you have a driving license, you may upload this together with a birth certificate, marriage certificate or another governmental document or letter.
I don’t have a passport or a driving license.
You may upload a UK immigration status document or a certificate of naturalisation which we will cross-reference against the other documents you submit.
I am a foreign resident - how do I demonstrate my Right to Rent in the UK?
You may upload a copy of the UK visa page of your passport, or a copy of your Biometric Residence Permit.
I have received a County Court Judgment within the past six years, will this affect my rental application?
This may affect your application depending on the amount of the fine and whether or not it has been satisfied. If and of itself this may not preclude you from being accepted for a property - this decision will be made by the estate agent or landlord for the property you have applied to.
I have recently married, and the name on my identity document does not match my other documents.
Please upload a marriage certificate or other document showing that your name has changed.
Why do you require my residential history?
We will use this data to verify your address, as well as to assess your previous rental performance by obtaining your landlord’s reference.
Is it mandatory to complete this section?
Yes, completing this section is compulsory to satisfy the requirements of our rental reference check.
How many of my previous addresses must I input on my profile?
Enter the addresses where you resided during the previous three years, including the accurate dates when you were there. // Additionally, enter the contact details for your current landlord and we will get in touch with them to receive their landlord’s reference regarding your tenancy.
Which documents do you require as proof of my current address?
'You may upload a copy of one of the following documents dated from the past three months: a tenancy agreement, utility bill, phone bill, council tax bill, bank statement, insurance contract or payslip. // Please also enter the contact details for your current landlord and we will get in touch with them to receive their landlord’s reference regarding your tenancy.'
I am currently living in student accommodation. Which documents will you require as proof of my current address?
You may upload a copy of your bank statement, utility bill, phone bill, insurance contract, or University letter, addressed to your student address, and dated within the past three months. // Please also enter the contact details for the accommodation team at your halls of residence and we will get in touch with them to receive their landlord’s reference regarding your tenancy. // Often, student accommodation services require a signed tenant’s consent form before they are able to provide us with their landlord’s reference. In this case, we will send you an online consent form which you should sign and forward to the accommodation services.
I have been living abroad within the last three years, do I still need to enter enter this in my residential history?
'Yes, please enter your full past three years’ residential history, including any foreign addresses. // If you are currently renting abroad, you may upload a copy of the following documents dated within the past three months as proof of your current address: a tenancy agreement, utility bill, phone bill, council tax bill, bank statement, insurance contract or payslip. // Enter your landlord's contact details no matter where they are based - we will get in touch with them to receive their landlord’s reference regarding your tenancy.'
I have been living at home within the last three years, do I still need to enter this in my residence history?
Yes, please enter your family’s home address if you have lived there during the past three years.
I am currently living at my friend’s house. Which documents do I need to upload?
You may upload a copy of a bank statement, utility bill, phone bill, insurance contract, or payslip addressed to your friend’s address. // Please enter the name and contact details for your friend and we will get in touch with them to confirm your residence by also providing one of the above documents.
Income and affordability
Why do you require my financial information?
In order to perform an assessment of your ability to afford the desired property.
How do you measure whether or not I am able to afford the property I have applied to?
Subject to the contract between you and your landlord and your personal situation, our general affordability rule is that if your yearly salary or self-employed income is at least 30x as much as the monthly price of your rent, we will accept your application. // If you will pay for your property from savings, we will ask that you have 36x the monthly price of the rent in savings. Please upload bank statements from the past three months to demonstrate this. // If you are not able to independently afford the rent for your property, please enter the contact details for a guarantor - someone willing to accept liability in case you are unable to meet rent payments. We will get in touch with them to confirm their consent and ability to afford the rent.
I will be paying for my rent for six months / one year in advance, do I still need to upload documents as evidence of my income?
Certain estate agents and landlords may require you to see source of income for your advance payment.
I am currently a probationary employee or intern at a company, which information and documents should I upload?
Please enter your salary and the date you started work at the company. Additionally, enter the name and contact details of your Human Resources department or payroll manager in order that we may confirm these details with them. // To verify the above information, you may upload either a copy of your previous two payslips, or an employment contract dated from the past three months.
I am soon starting a new job, which information and documents should I upload?
Please enter your salary and the date you will start work at the company. Additionally, enter the name and contact details of the Human Resources department or payroll manager in order that we may confirm these details with them. Confirm this information by uploading a copy of your employment contract.
I am working on a zero-hour contract, which information and documents should I upload?
We will require 6 months of bank statements demonstrating continuous income. Please also enter the contact details of your employer who we will contact to confirm your employment.
I am working on a state-sponsored program from a foreign country, which information and documents should I upload?
You may upload a signed letter proving that the relevant organisation is willing to cover the costs of your rent in the UK. // Please also list the contact details of the relevant individuals so that we may contact them to for confirmation of their sponsorship.
I am self-employed, which information and documents should I upload?
You may upload your latest tax return form (Form SA302 ). If you have an accountant, please enter their name and contact details so that we are able to receive their professional confirmation of your self-employed income.// Alternatively, you may upload your bank statements from your previous six months, demonstrating continuous work-related income entering your account.
I am a pensioner, which information and documents should I upload?
You may upload your three previous pension-payment slips, or copies of bank statements from the previous three months, demonstrating the regular receipt of a pension.
I am receiving state benefits, which information and documents should I upload?
You may upload an official document confirming your regular receipt of state benefits.
I receive commission and bonuses - will these be taken into account when you assess my ability to afford a property?
Yes, we will take these into account provided that the receipt of thees payments has been confirmed by your employer.
I receive state benefits - will these be taken into account when you assess my ability to afford a property?
Yes, please upload a letter or income statements from the relevant authority dated from the past three months to show receipt of these payments.
I regularly work overtime - will you take this into account when you assess my ability to afford a property?
Yes, please upload your previous two payslips showing receipt of overtime income. We will contact your employer to ask whether you regularly work beyond your contract hours.
I will be paying for my property from savings. Which documents should I upload to demonstrate this?
Please upload three months of statements from a savings account, showing a consistent level of savings across the period. If the amount of savings is irregular, we may ask for additional documents as proof of savings.
I have recently sold my house and will be paying for rent from the proceeds of sale. Will you accept this?
Yes, we will be able to take this information into account when assessing your affordability.
I have multiple sources of income. Which should I include in my application?
We suggest that you upload documents demonstrating all sources of income, to increase your likelihood of being able to secure your desired property.
I have agreed to act as a guarantor for a tenant, which documents do I need to upload?
'Please upload a copy of your passport so that we may verify your identity. Additionally, upload a document as proof of your current address. This must dated from the past three months and could be: a tenancy agreement, utility bill, phone bill, council tax bill, bank statement, insurance contract or payslip. // Finally, upload proof of your income or savings, demonstrating the ability to afford 42x the monthly price of the rent. For example, if you are guaranteeing a rent of £1,000 per month, you must earn a salary of £42,000 per year, or have the same amount in savings. // If you are employed, also upload either a copy of your previous two payslips or an employment contract dated from the past three months. If you are self-employed, upload your latest UK or foreign tax return form. // If you have an accountant, enter their name and contact details so that we are able to receive their professional confirmation of your self-employed income. // Alternatively, upload your bank statements from your previous six months, demonstrating continuous work-related income entering your account.'
What is the purpose of the additional information section?
The purpose of the non-mandatory information sections is to give your new landlord a fuller picture of your identity and reputation.
Is it mandatory to complete this section?
No, completing this section is not compulsory to satisfy the requirements of our rental reference check.
Facebook and LinkedIn are two important tools to help you allocate commonalities with your future landlord or flatmate.
By connecting your social media accounts to your Homeppl rental resume, you’ll be able to see what professional information, educational institutions or degrees, and what interests or friends you have in common with other future tenancy partners.
What kind of document formats do you accept?
We will accept Word Document, Excel, PDF and most picture files. Please note that we do not accept documents in the .CSV format.
What kind of banks statements do you accept?
Please upload bank statements which show your name, sort code, account number and account type. Please ensure that the bank's name and address is also visible. We will accept screenshots provided that they show the above information. You may redact bank statements to blank out the destination of payments.
Will you accept payslips and proofs of address which date from before the past three months?
No, we will be unable to accept such documents. Please upload your previous six months of bank statements which show the receipt of payments as well as your current address.
We reference permitted occupants in the same way as tenants, however we do not ask for or verify their income information.
Who do we share information with?
Which information is gathered for the final report adverse information section?
We verify whether or not tenants have been bankrupt within the past six years, and whether or not they have any outstanding County Court Judgments. For foreign applicants, we check their names against international sanctions lists and other databases of adverse information.
Are the reference check criteria different when a tenant chooses to pay in advance?
Yes - if a tenant and the inviting estate agent or landlord have agreed that a tenant will pay for their rent in advance, we will not externally verify their income.
How do we reference guarantors?
We obtain income, residence and identity documents for guarantors in the same way as for tenants. We assess their income at a higher rate than tenants, however.
How do we perform reference checks on international applicants?
We are currently unable to check foreign residents’ bankruptcy history or foreign databases of land ownership. Our other criteria are identical to those for British applicants, and we obtain translated version of references, identity documents, income confirmations and payslips where possible.
How do we verify residence?
If a tenant owns the property they currently live in, we will verify this against Land Registry records. If a tenant lives in rented accommodation owned by a private landlord, we verify the landlord’s ownership against Land Registry Records. If a tenant lives in family-owned accommodation or in an informal sublet, we will very against the Electoral Roll and other databases provided by reputable third party agencies.
How do we assess affordability?
We typically use the financial and insurance industry standards to determine whether a tenant earns a sufficient amount of money to meet rent payments. We also perform a more in-depth assessment for certain categories of payment. The minimum requirements are that tenants earn 30 times the monthly rent price per year, or hold 32 times the monthly rent in a savings account, or have a guarantor who is able to guarantee 42 times the monthly rent.
How long does the process last?
We are normally able to complete references within 24 hours of submission of data.
How do we verify employment?
We require a prospective tenant’s two previous payslips, an employment contract or a signed letter from an employer confirming the tenant’s place of work. Our system then gets in touch with either an HR, payroll or line manager, to corroborate the information provided by the tenant. In addition, we corroborate information provided with online databases.
How does Homeppl communicate with tenants?
We get in touch with tenants by email, text message and over the phone. If the details we have are incorrect, we may get in touch with the tenants flatmates or family to obtain up-to-date contact details.
Can I access the documents you have used for referencing purposes?
Yes, you will be able to access the documents we reference for each applicant and guarantor, as well as our final report, within the applicant's card in your CRM, subject to privacy and data protection laws. You must not however share these with any third parties, including the landlord for the property, without the tenant's express consent.
What happens when I invite a tenant for referencing?
In your Homeppl Customer Relationship Management (CRM) tool, you will be asked to enter the contact details of your prospective tenant. When you have entered these and other relevant information relating to the tenancy, our adaptive automated system will begin to communicate with the tenants to guide them through the referencing process.
Do you perform any background checks on candidates?
Yes, we look at a wide variety of global databases to assess whether or not adverse information exists for a tenant, and we will relay these to estate agents if any are found.
Right To Rent
How do you check an applicant's Right to Rent?
The Right to Rent check confirms the candidate has the right to rent in England. Landlords or agents in England could be charged with a criminal offence if they know, or have reasonable cause to believe, that they are letting to an illegal immigrant. Homeppl facilitates the completion of the check, however it cannot replace the landlord or agents’ legally-required physical check.
What's included in your Credit Check?
'Our Credit Check uncovers any past publicly available adverse information or court action against UK citizens. It includes: CCJs, Bankruptcy, Insolvency, Debt Relief, Arrangements, Sanctions. If any adverse information is found, this will be available in our report.'
How do you check applicant's financial suitability?
The Financial Suitability check assesses your finances, and ensures your ability to afford the property in question. It validates the data by various means, such as documents, online domain testing, and social networks. During the process, our system will communicate directly with the candidates’ employers, HR managers, or Accountants.
How do you assess an applicant's rental performance?
The Rental Performance check traces and validates candidates’ residential history, and collects references from their rental network, such as landlords, agents, housemates, and neighbours. It provides valuable insights about candidates, including how they maintained the property, and prompt payment of rent and utilities.
What's included in the Work Experience check?
The Work Experience check validates the candidate’s work experience, work duration, and employment type.
What is purpose of the Education section?
The Education check confirms the candidate's level of education.
What's included in the Interests section?
The Interests section helps our clients choose the most suitable candidate for their needs.
A Guarantor is a person who is legally responsible if you default on your rent or damage the property.
What is Homeppl?
Homeppl is a data validation company. We specialise in data gathering, validation, and risk assessment on individuals from all over the world. Since 2017, we validated 100,000+ people from 80+ countries.
What is Homeppl Guarantors?
You do not have to pay 6 to 12 months rent in advance. Subject to a validation check, we can help you pay rent monthly and be your UK Guarantor!
Who is it for?
We can help you if you are (a) a Student, undergraduate or postgraduate; (b) New to Country / without credit history, with sufficient financial resources; (c) employed, earning at least 18x the monthly rent
Why use Homeppl?
We are still international tenants ourselves! We worked hard on creating a unique data validation tool that allows equality of opportunity to great tenants, like yourself.
What is the Homeppl validation check?
To be eligible, we need to validate your identity, rental record, and financial abilities. Learn more about the Homeppl checks on homeppl.com.
What is the price of Homeppl Guarantors?
We work hard to offer the lowest possible fees. To act as your UK Guarantor, we charge 8.5% of the annual rent, i.e. a fee equivalent to one month share of rent. So, if your annual rent is £6,000, we would charge £510. We allow up to two installments.
What is a Co-Signer?
A Co-Signer is someone you know who will co-sign the agreement between us. We would need to validate your Co-Signer and test their credit card details before approving them. They do not have to reside in the UK.
What does my Co-Signer need to provide?
Your Co-Signer will need to provide us with a copy of a valid Passport, proof of address dated within the last three months, and valid credit card details.
What happens if I do not pay my rent?
Your legal obligations under your tenancy agreement remain the same with or without Homeppl. Defaulting on the rent will lead to charging your credit card for any amount paid by Homeppl to your Landlord, legal actions and the start of an eviction process, and reporting to credit agencies.
What are the rewards Homeppl offers?
We believe in you. We would like to reward you at the end of your successful tenancy with a 10% cashback, and offer you cool perks during your tenancy, such as Netflix, Spotify, or Amazon Prime on us!
How do I get started?
Once you choose Homeppl Guarantors, we would need to 1. Inform your letting agency or landlord 2. Complete your validation 3. Validate your Co-Signer 4. Sign the Agreement 5. Accept your payment