Tenant Referencing
A deeper reference.
A clearer picture.
A better-informed decision.
Comprehensive tenant referencing for letting agents and Landlords who want more than a simple pass or fail report.
We bring together the facts so you can move in tenants with confidence.
IDENTITY
Who are they?
AFFORDABILITY
Can they afford it?
FINANCIAL CONDUCT
How do they manage their money?
RENTAL HISTORY
What does their history tell us?
MORE THAN A PASS OR A FAIL
A PASS ISN'T THE WHOLE STORY.
A tenant can pass a reference. But how comfortably can they afford the tenancy?
We look beyond the application form, analysing verified income, expenditure and existing commitments to show you the real financial position and the potential impact of the proposed rent.
MONTHLY AFFORDABILITY (EXAMPLE FROM A RECENT REPORT)
Verified monthly income
Regular living costs
Proposed monthly rent
Remaining each month
IMPACT OF THE NEW RENT
Regular living costs
Proposed monthly rent
Increase
WE LOOK BEYOND THE APPLICATION FORM
A more complete picture of every applicant.
Credit & Financial History
Credit position, commitments, defaults, CCJ’s and more.
Verified Income & Employment
Income and employment independently verified.
Open Banking Affordability
Up to 12 months of financial information.
Financial Conduct
Balance, spending overdraft usage, failed payments and other indicators.
Rental History
Previous rent payment history and landlord/agent reference.
Identity & Right to Rent
Biometric ID verification and Right to Rent where applicable.
Fraud & Compliance
Sanctions, PEP, identity cross-checking and fraud indicator.
Adverse Tenant Register
Checked against Centurion’s own records of previous adverse tenancies.
ONE CLEAR REPORT. THE EVIDENCE BEHIND IT.
A professional, easy to read report with a clear outcome on the first page and full detail behind it..
THE FOUR OUTCOMES
PASS
Application meets the required criteria.
PASS DUE TO GUARANTOR
The tenancy can proceed with accepted guarantor
CONDITIONAL PASS
Something needs addressing - and we will explain exactly what.
FAIL
The evidence doesn't support the tenancy - and the reason is clearly explained.
EVIDENCED.
Every decision backed by evidence.
RECORDED.
Every stage recorded.
EXPLAINABLE.
Every report designed to help you explain the outcome.
PAST BEHAVIOUR. CURRENT AFFORDABILITY. FUTURE RESILLIANCE.
Referencing shouldn’t only look backwards. Centurion gives you greater context around the sustainability of the tenancy, based on evidence, not just a single point in time.
PAST
- Credit history
- Rental history
- Payment conduct
TODAY
- Verified income
- Current expenditure
- Financial commitments
PROPOSED TENANCY
- New rent
- Disposable income
- Affordability position
A clearer indication of how financially sustainable the tenancy may be.
BETTER INFORMATION FOR YOU. BETTER ADVICE FOR YOU LANDLORD.
Protect your landlord
Give landlords more than a pass/fail. Show them the information behind it.
Strengthen your service
Position your agency as one that takes tenant selection seriously.
Better informed decisions
Understand the reason behind the result and identify solutions where needed.
Spend less time chasing
We manage the referencing journey while you monitor progress.
When your landlord asks, “Would you be happy putting this tenant into my property?” – you’ll have the information to explain your recommendation.
ONE COMPREHENSIVE REFERENCE.
Everything you need, included.
- Credit Check
- Biometric ID
- Right to Rent
- Employment & Income Verification
- Open Banking Affordability
- Additional Income Verification
- Previous Landlord / Agent Reference
- Sanctions & PEP
- Social Media Screening
- Fraud Screening
- Adverse Tenant Register
- Guarantor Referencing where required
OPTIONAL ADDITIONAL CHECK
Criminal Record Check
Available on request, subject to appropriate applicant authorisation.
THE CENTURION DIFFERENCE.
We don't want to tell you less.
We want to help you know more.
More evidence. More context. More confidence.
The better way to reference. the better way to rent.
