What happens if I fail an affordability or referencing check?

If your combined annual household income is less than 2.5 times the annual rent, or another referencing check raises a concern, we will review the information available before deciding whether the application can proceed.

For example, you may have recently changed jobs, have irregular self-employed earnings, lack a local credit history or have an error in a reference. These situations may need further explanation rather than an immediate decision.

What you can do

• Check whether any details or documents were missing or incorrect.
• Provide relevant additional evidence, such as a contract, payslip, pension statement or proof of savings.
• Ask whether a UK-based guarantor with a UK bank account would address the concern. They must meet our financial criteria, although accessible savings may be considered in place of regular income for a guarantor.
• Review whether a different apartment would be affordable for your budget.

Extra information does not guarantee approval. We must still make an appropriate decision for the home & the proposed tenancy.

If an application cannot go ahead, we will explain the next steps, including any applicable holding deposit arrangements. You can browse other apartments if you decide to consider a different home.