ref checks by letsure

debrag

So we have been given a form to fill out for ref's etc by the LA and they use letsure. I've had a look on their site at examples for reports and I'm just worried about the 'accept', 'not accept' bits.
Going by the information below who we be accepted by Letsure? I'm pretty sure the LL would be.

Affordability
Our rent is between 38% & 41% of income

Votes roll
My partner is on his old house and has been for years, me I haven't been registered for years but I did register with our current property when they sent the forms & came round but I can't find us registered anywhere.

Public information
Neither of us have CCJ's or bankruptcy's.
I have adverse records though which should either not be on there at all or be 'settled'

Employees records
My partner has been with his job since November 2009 but me with mine only since July 2010
Both are permanent

Bank Information
We have both been with our banks for over a year and neither have an overdraft or go into the red.

robcauson

Hi there,

The problem with giving any definitive answer to questions like this is just that sometimes the checks can show up other information, so I won't commit to a straight yes or no. However, based on what you've said, and as long as nothing else detrimental is found, you should pass the reference.

One thing to be aware of is how your income is split though. Because you're right on the threshold (41%), if you and your partner are earning different amounts you might find that one of you shows as acceptable and one shows as needing a guarantor. This is because you'll be referenced on an even split of the rent. Speak to your agent about this and they might be able to split the rent unevenly. This isn't always the case, but they'll be able to advise you on that.

The most important thing is to be up front with the agent and if you think there're any potential problems in there just be honest about them from the outset. Everyone has their past; it's the people who try to hide it that tend to worry landlords and agents.

Hope that helps. (My name's Rob, I'm National Business Development Manager for Letsure, by the way!)

G_M

robcauson wrote: »

Hi there,

....
Hope that helps. (My name's Rob, I'm National Business Development Manager for Letsure, by the way!)

How refreshing to get a post from someone 'in the trade' who presumably thus knows what they are talking about, but who does NOT take the opportunity to tout for business!

Thanks for joining, Bob. Stick around to offer advice as appropriate, and don't take offence when posters here use one or more of your competitor's products!

robcauson

Thanks G_M; I appreciate the welcome and I'll gladly help out where I can.