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If you are looking to rent a property, the usual process involves a two-week period for reference checks and a response from us. There is no quickened process available; delays often happen when individuals do not promptly provide the requested references from previous landlords, employers, or other necessary sources. The property may be shown to other potential tenants until we receive confirmation that your reference checks are approved, if the holding deposit hasn't been received. To schedule a viewing, contact our customer service team with your specific rental needs. Please provide details such as your chosen location, budget, desired number of bedrooms, property type, and move-in date.

By joining our free WhatsApp update list, you will get notifications about new property listings and specifics. Our customer service team will guide you through the rental process, offering information that is typically shared with our update list members before being publicly advertised.

Can you imagine the immense pressure and stress that comes with trying to find that ideal home, the perfect fit that you've been longing for amidst the vast market? Are you tired of visiting houses, flats, rooms, comparing prices, examining tenancy details, stressing over budgets, only to end up with a text to say it has now been rented? It can be a truly grueling process - one that unfolds tough decisions, discomfort, and frustrations. Your desire for satisfaction struggles against the cruel reality of budget limits. Is there a way to end this torment? We offer fast viewings with step by step updates. If you have questions, you just simply need to send us a WhatsApp.

If you successfully pass all the necessary checks and the property owner has agreed to rent their property to you, you must then pay the required deposit. Typically, the deposit is equivalent to one month's rent paid upfront, but it may be five weeks' rent plus one month's rent in cleared funds. The tenancy will not commence until this payment is received in the Fennic bank account. Failure to make the payment could result in the property being offered to another individual. Additionally, if you miss the payment deadline, you may forfeit any holding deposit you paid. All payments must be made directly to our bank account, and you must pass all the required checks, including right-to-rent and reference checks, before the tenancy can be approved.

Furthermore, you must provide three months' worth of recent bank statements and a valid photo ID, such as a driver's licence or passport before the process starts, along with a copy of your credit score, which you can obtain free of charge. At last, you can breathe a sigh of relief as our team delves into the property rental market, seeking out the best rental choices on your behalf for any situation. Imagine the satisfaction that comes with finding the perfect home without the hassle and stress that you've previously encountered. We transform a complicated, draining ordeal into a delightful journey minus the strain.

In order to qualify for the rental of a property, you must successfully clear reference checks. Having a spotless credit history without any County Court Judgements or late payments within the last six years is imperative, or a guarantor may be required. You also need to have an annual income equivalent to at least 30 times the monthly rent or 35 times income if using a guarantor. For instance, if the rent is £1000 per month, you should be earning a minimum of £30,000 per year or receiving benefits such as housing benefit.

Are you faced with the daunting task of renting a property but are unsure of the requirements set by landlords and rental agencies? It can often feel like navigating a maze, making it a stressful experience. Deciphering the complexities of reference screenings, understanding the importance of a clean credit history, and becoming aware of the income eligibility criteria is no easy feat. It's easy to feel overwhelmed, trapped, and despairing, unsure how to move forward.

Imagine finding your dream home to rent - an abode that matches your heart's desires - only to discover you don't meet the reference screening or income eligibility criteria. The disappointment and heartache are familiar to too many. The potential sting of County Court Judgements or late payments from your past haunting your credit history, ultimately potentially obstructing your happy future at your dream home. Not being privy to these specific requirements could mean a missed opportunity at snagging that perfect place, which could have been avoided had you been prepared.

The Solution

This is where we come in - bridging the knowledge gap that deters many prospective tenants from confidently approaching the rental market. It's crucial to know upfront the necessity of either a flawless credit history - free of County Court Judgements or late payments in the last six years - or the availability of a guarantor. This awareness can protect you from the shock of disqualification at the eleventh hour. Intelligent preparation is your shield against surprises and disappointment.

In terms of income, the golden rule is your annual income should be at least 30 times the monthly rent - or 35 times if you're using a guarantor. For instance, if the rent is £1000 a month, you should be making at least £30,000 annually or be in receipt of sufficient benefits like housing benefits to meet this criteria. This yardstick prepares you for realistic rental opportunities, instead of futile passions for properties that may be out of your reach.

Becoming a tenant doesn't have to be rocket science. The right knowledge and preparedness will have you unlock your dream space before you know it.

Now that you have this knowledge at your disposal, there's no need to navigate the world of property rental alone or in the dark. It's time to embrace the process in a stress-free manner, with a newfound confidence, knowing you're equipped for success.

The solution embedded in our offer is transformational; it empowers you not just as a tenant but educates you for life. Future rental applications will be an affair made easy, with smoother, quicker approvals. You'll be the savvy tenant that brokers and landlords appreciate.

Don't hesitate, grab our offer. Navigate through the often confounding world of property rentals, armed with the knowledge you need. Of course, a smooth rental journey vehicle awaits; contact us now to find out more. You have nothing to lose, and a dream home to gain. Act now, seize the future, your home awaits you.

You may need a guarantor if you have a bad credit score; we will be happy to look at all the options with you. 

In today's fast-paced world, your credit score means a lot. It's an assessment of your ability to meet your financial responsibilities - from your utility bills to your rent. However, many good individuals find themselves strapped with a credit score that is less than required due to unforeseen circumstances.

This hampers their ability to rent a property, as this score may not accurately represent their current or future financial capacity. Frustration kicks in when, despite having the means and intention to pay the rent and bills responsibly, many are rejected due to their past financial irregularities. As per standard procedure, we use a professional agency to handle credit and reference checks. They examine not just your ability to cover the rent, but also other expenses such as council taxes, utilities, etc.

The same agency checks your right to rent too, which is legally required. When unsuccessful, this makes finding a comfortable and affordable place to live particularly challenging. It can feel like you're defined by your past, unable to make a fresh start. We have news for those in this exact situation.

We understand that life isn't always a smooth road and doesn't always go as planned. Many reasons can result in a poor credit score. We're here to provide a beacon of hope to those who need it. We've created a system that doesn't just focus on what was, but also on what can be. Should you struggle with the reference check, you have options.

The requirement of a guarantor could be a potential solution. Alternatively, we could connect you with certain organizations that can help you navigate through these rough waters. You can always count on getting advice from reliable institutions such as Citizens Advice. We're not just here to lease properties, but we're here to provide solutions.

While we are bound by what the credit reference agency reports back to us, we are also committed to supporting you in finding ways around it. After viewing a property, reach out to us, and let's take the first step forward together. Let's redefine your future, starting today. WhatsApp us on 07380 395926. We will provide you with the number to contact or guide you on how to get help from Citizens Advice.

Don't let past credit score hurdles keep you from securing the home you deserve. Remember, you're not alone in this journey. We are here to guide and assist you every step of the way. Contact us, and let's open doors to new possibilities. If you have a bad credit score and you have had past credit or property rentals, or basically you have a report on your credit score which informs us you do not pay your bills, this is going to cause a problem with credit and reference checks.

When you contact us, once you have viewed a property, we need some information to pass to the credit reference checking agency. We do not do the checks ourselves; we use a professional agency. They will perform a right to rent check, which is a legal requirement, and an affordability check to ensure you can pay not only the rent but also the bills, such as council tax, electricity, gas, water, etc. If you do not pass the reference check, there are places you can contact, and a guarantor may be required.

If you WhatsApp us on 07380 395926, we will send you a number to contact or contact Citizens Advice. We do understand lots of reasons could result in a poor credit score, but the owners can only go by what the credit reference agency reports back, or they won't get rent and legal insurance.

By providing this guidance, we make the rental process less perplexing and more transparent. You won't be shooting in the dark but aiming directly at potential homes within your reach. The right knowledge and preparedness are your power keys to unlock the door of your dream home.

Armed with this knowledge, you no longer have to tread on eggshells or feel lost in the rental market. You can now handle the process with ease, backed by newfound confidence and readiness for success. Our offer isn't just about helping you become a tenant - it's about preparing you for future rental processes and making you a preferred tenant that landlords and brokers appreciate. If your credit report is declined, it is sometimes possible for a guarantor to cover the risk. We cannot guarantee the outcome as it is the report of the credit reference agency who simply tell us if you have passed or declined.

We are able to accept people on Housing benefit or other DWP-type payments. If you are working and it is a top-up, or you are currently not working, we have the same requirements for those in full-time employment. It is no different; you need to show income of 30 times rent which can be made from pension, pension credit, unemployment payments, Universal Credit, ESA, PIP, or other forms of acceptable payment. You will be contacted by the credit reference agency who will proceed with an affordability check, plus look for any previous missed payments or CCJs in the past six years. They will then report back to us and provide an answer of pass or decline. If you do not pass and you have provided us with false information, you may lose your holding deposit. We suggest you obtain a copy of your credit report prior to paying a holding deposit. You may need a suitable guarantor, who is a homeowner and will pass the checks and has an income of 35 times the rental value.

It's not uncommon for those receiving support from Housing Benefit or DWP-type payments to face hurdles when seeking rental properties. Whether you're not currently working or working part-time, traditional rental processes often make it harder for you to find and secure a home due to rigid income inspections and stringent affordability checks. Perhaps you've found yourself in this situation?

You've discovered the perfect place but been disappointed when you were turned down due to your income source. Maybe you've had to scramble for a guarantor, only to find that they, too, are subjected to strict rules. Worse yet, premature holding deposits have been lost due to false information, resulting in unnecessary financial strain. We're here to change that. We strive to bridge the gap between potential tenants and their dream homes, regardless of whether their income is from full-time employment, pension, universal credit, ESA, or PIP. We consider all of these sources because we believe everyone deserves a place to call home.

Our process includes a standard credit reference check, auditing affordability as well as any missed payments or County Court Judgements in the past six years, but rest assured, this is the same process that full-time employees undergo. So, don't let the fear of an affordability check deter you — we'll walk with you every step of the way explaining what happens and why. And that's not all. If you don't pass the checks on your own, we'll consider a guarantor, who'll need to be a homeowner with an annual income of 35 times the rental value.

We perform these checks transparently, leaving everyone involved thoroughly informed and, when possible, satisfied. Some people who do not pass are obviously not going to be happy, but the property is of great value and the owner wants a person who has a past track record of paying bills online and a new tenancy with people who will clean and look after the property to a high standard. If someone has a bad credit score and has failed to maintain other credit agreements, then this shows, in general, that the person is not able to manage bills, money, or other financial matters. So, before you make a holding deposit, we recommend you get a copy of your credit report to avoid any hitches. The last thing we want is for you to lose your holding deposit due to inadequate or inaccurate information. Our goal is to make the rental process inclusive, empathetic, and empowering. We believe in openness, accessibility, and fairness, which is why we're ready and willing to accept tenants on Housing Benefit and other types of DWP disability payments.