Credit checks overseas applicants

Hi Alison,

Our referencing partners can reference overseas tenants - there’s no issue with this, although the applicants do need to have been resident in the UK for at least 6 months for a credit search to be carried out as part of the reference - apologies if this wasn’t clear!

This doesn’t have an impact into how Rentguard reference non-UK based tenants, rest assured - further guidance on what referencing involves can be found here.

While overseas income can be included in the reference for your own info, only UK income counts towards the affordability ratio used to judge a pass/fail on the reference. We provide more information here:

Worth noting that all of the above applies to tenants rather than guarantors, who do need to be UK-based in order to engage in the Rent Now process (and/or referencing).

Any questions on referencing or any other area, just let me know.