Register now by contacting: [email protected] and we’ll get you referencing right away.
Tier 1 – our basic credit file review, an instant reference that will give you some basic insight into the creditworthiness of the Tenant.
Tier 2 – our full and extensive tenant review which in our opinion is essential for anyone looking to rent a property in the current climate.
Why is Tier 2 essential?
In the current climate a credit file will only provide a small snapshot in time of how the tenant manages their credit. If they have a small credit outlay and pay their bills on time this will show in a good credit file.
But what about income? are they employed / self employed, have they recently lost or started a new role? Does the income they say they receive match the information from their employers?
Do their bank statements corroborate the salary and information they told us? Are there inaccuracies, omissions, do documents look like they have been tampered with – does something not just add up?
What does their previous landlord say? Would they rent to them again, have they ever had any rent arrears?
Employers – is the company legitimate, have you checked companies house, are they using a free webmail account?
All of these questions may look like they are answered truthfully by the tenant but with fraudulent applications and identity fraud on the increase would you know what to look for and where?
On 1st February 2016 right-to-rent legislation came into effect in England, meaning that all landlords or their appointed letting agent have the legal responsibility to check that their tenants have the right to reside in the UK. This legislation falls under the Immigration Act 2016 and under the Act, it’s now a criminal offence to neglect these responsibilities. Most importantly you need to be able to evidence that you carry out these checks for ALL tenancies.
From July 1st 2021, if someone is an EEA, EU, or Swiss national, you will need to see proof of their UK immigration status (settled or pre-settled) rather than their national identification.
You can either check a tenant’s original acceptable documents which allow them to live in the UK, or a ‘sharecode’ which can be entered onto the Government’s website at https://www.gov.uk/view-right-to-rent along with the person’s date of birth.
This online service is suitable if your tenant:
You cannot insist a tenant use this service or refuse to rent to them if they want to prove their right to rent by showing you their documents instead.
For British tenants, or for those coming from outside the EEA – you can continue to check these in the same way.
Letmojo can help you reduce the administrative burden for Right to Rent checks and also provide a one stop solution to ensure you have completed the correct checks, validated the documents you have been provided and also give you a secure data store for all of your checks in one straightforward system.
Our Right to Rent solution will give you:
🗸 All of your Right to Rent documents stored Online, in one secure place
🗸 Easy to complete online applications with clear instructions
🗸 Final reports informing you if the client has the Right to Rent
🗸 An early warning system that reminds you two months before Visas are due to end for cases where the tenant has a time limited Right to Rent
🗸 Verification of the MRZ codes and produce a report that establishes the tenant’s eligibility to reside in the UK
🗸 Alerts displayed on your dashboard 28 days before a tenancy is due to expire.
To sign up for our Right to Rent checks contact: [email protected] or call us on 01626 912321
To give you complete peace of mind we are able to provide you with our Enhanced ID Verification.
We take the next step in ensuring that you are protected from identity fraud by using state of the art facial biometric scanning technology combined with Artificial Intelligence (AI) to confirm your tenants Identity.
All documents including Driving Licenses, passports and ID cards will have MRZ codes checked for correct formats and Visa documents will be certified as being valid.
In addition, we will check your documents against the 160,000 records contained within the Metropolitan Police Service Amberhill database on false identities and documents.
To benefit from our Enhanced ID checking service contact: [email protected] and our team will be in touch.