Verified
- Identity
- Right to Rent position
- Current employment
- Core contractual income
- Credit and address history
The application looked affordable. The income still needed explaining.
The checks found a difference.
The applicant had supplied identity documents, payslips and bank statements. Nothing immediately suggested the application should fail.
The declared income, bank credits and employment information did not line up neatly. Part of the income varied. One document used an earlier employer name. A regular payment appeared in the account but its source was not immediately clear.
The automated checks had done their job. They had brought the difference into view. What they had not done was explain it.
A flag is not an answer.
Still needed
- One updated employment document
- Confirmation of variable income
- Guarantor details if that route was chosen
Agency decision
- Whether to proceed
- Whether a guarantor was required
- Whether protection should be considered
- Whether any terms needed closer attention
The specialist explained the position. The agency made the decision.
A member of the Tenant Referencing team reviewed what had been checked and explained where uncertainty remained. One difference came from a recent change in employment. Another payment could be verified but should not be treated as guaranteed monthly income.
The affordability position remained workable provided the agency obtained one further document and considered whether a guarantor or protection was appropriate.
The landlord agreed to proceed with a guarantor. Propoly then kept the guarantor request, agreements, compliance actions, move-in monies and handover visible to the team.
The decision shaped the move-in plan.
Request guarantor details
Send guarantor agreement
Send tenancy agreement
Complete compliance actions
Stage 2 connected to the work that followed.
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Tenancy Referencing
The immediate uncertainty
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Tenancy Progression
Carry the decision towards move-in
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Compliance & Evidence
Keep the completed record
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Insurance & Protection
Consider protection while facts are current
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Confirm move-in monies
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Ready for move-in
Illustrative agency story based on common patterns in agency work. Every application and tenancy requires its own assessment.
Review the application. Keep the next actions visible.
Human judgement resolves the uncertainty. The agreed decision then carries into progression, compliance, protection and move-in.