Can I apply if I have a poor credit history?

You can still apply if you have missed payments or other issues on your credit record. A poor credit history does not automatically tell us whether you can afford the rent now.

We may ask about your current financial circumstances & carry out appropriate checks, with the information required for those checks explained during the application. We consider the type, age & relevance of any issue rather than relying on a single label.

How to prepare

• Check your credit information for errors before applying.
• Be accurate about outstanding debts, judgments or repayment arrangements if asked.
• Provide evidence of stable income, savings or improved financial circumstances.
• If needed, consider whether a suitable guarantor could support your application.

If a third-party check identifies an error, you can ask for it to be reviewed. A guarantor is not guaranteed to resolve every issue, but it may be an option.

Choose a property through our build-to-rent search. We will tell you what is needed when you apply.