[00:02] welcome back to Phil Spencer's top property tips on the move IQ Channel I'm cat King and in this episode I'm letting you in on Phil's insider info on what to expect from a tenant check whether it's your first time renting or not do browse
[00:18] through the renting section of the move IQ website where there's an absolute stack of great advice for renters now back to those tenant checks also known as screening or vetting this is the way landlords and letting agents check the
[00:31] financial and personal stability of a prospective tenant that's you why well as the tenant you're asking the landlord to trust you with their property and it's no surprise they want to know if you're going to be able to pay your rent
[00:45] on time look after the property well and whether you're likely to be a nuisance to them the neighbors or other tenants many letting agencies and landlords use an independent tenant screening service these vary but usually include talking
[01:00] to any referees you might have given on your application talking to employers past and present and asking for proof of funds or earnings that show you can afford the rent there are of course rules about what information a landlord
[01:13] can use to reject you for example it's acceptable to refuse to have you as a tenant because you have a poor credit history or a record of not paying your rent on time on the other hand it's illegal to discriminate against you as a
[01:27] tenant on the basis of age race sexual orientation disability pregnancy or religion for instance tenant screening is actively encouraged by the government - in fact one of the landlord's legal responsibilities is to check their
[01:41] tenants rights rent which includes proving that they have a legal right to live in the UK it's also possible to carry out your own tenancy check getting reliable tenant and give you a head start where there's competition your
[01:57] financial history and credit score will be the most important factors so to present yourself as the ideal tenant you should make more than two and a half times the rent a monthly income have credit reports and landlord references
[02:11] showing you've always paid your on time and also is good to have a stable work history so good luck and please do give us a like and subscribe and I'll see you next time [Music]