Before you can rent a potential new home, you'll need to provide certain references and documents to the letting agent or landlord.
You need to show you can afford the rent and that you'll be reliable in paying it. And you'll need to prove that you're a trustworthy person who'll look after the flat or house. You will also have to show you have a 'right to rent' in the UK.
Your letting agent or landlord will find this out by doing a number of checks.
Crucially, following the Renters' Rights Act introduced in May 2026, it became illegal for landlords to have blanket bans against tenants on benefits or those with children, so they must assess your income and references fairly on an individual basis.
The main checks and references that a letting agent will do before they rent a home to you are:
reference checks with your current landlord and employer to show proof of character
proof of income checks, where you might need to provide them with payslips and three months of bank statements
proof of identity checks by asking to see your passport, driving licence or a digital 'share code' from the Home Office
a credit check with an independent credit reference agency such as Experian or Equifax. Your credit report is like a CV of how you’ve handled your past finances. It will flag up any unpaid debts, missed loan payments or County Court Judgements (CCJs) you have against you.
What if you have a low credit score?
As a renter, your credit score is important. It will indicate whether you can afford the rent on the property you are looking to move into, and whether you will pay it on time.
If you have a low credit score (or very bad credit), this may put off some landlords or lettings agents, and they may not give approval for the let.
You may have a poor credit score simply because your name isn't on the electoral roll. It only takes a few minutes to register to vote.
The good news is there are some ways to get past a low credit score, and demonstrate that you can afford to pay:
Be honest about your credit history
Be upfront about your poor credit score. Give an explanation for it, and don’t withhold information if you’re asked about your credit history.
If your score does not accurately reflect your ability to pay your rent on time, explain this. You may well find your new landlord or lettings agency understands and welcomes your honesty.
Get a referral from a former landlord
If you have a good rental history, ask a past landlord to vouch for you and confirm you’ve paid your rent on time. This may be enough to get a potential landlord to see past your low credit score.
Use a commercial guarantor service (instead of advance rent)
In the past, tenants were often advised to hand over several months' rent or a bigger deposit at the outset to bypass a bad credit score.
However, the Renters' Rights Act 2026 capped advance rent at a maximum of 1 month and deposits at 5 weeks' rent. Because landlords can no longer legally accept massive upfront payments, you might need to look into commercial guarantor services if you don't have a friend or family member to stand in for you.
Take steps to improve your credit score
If you’re worried about a low credit score, be proactive and take action to improve it.
You can get a copy of your credit report for free from a credit reference agency, such as Equifax, Experian or TransUnion.
Simple steps to better your credit rating include: getting registered on the electoral roll, ensuring you make all payments on time, and getting any mistakes on your file corrected.
Steps you can take to improve your credit score
Get a guarantor
In the past, tenants were often advised to hand over several months' rent or a bigger deposit at the outset to bypass a bad credit score.
However, the Renters' Rights Act 2026 capped advance rent at a maximum of 1 month and deposits at 5 weeks' rent. Because landlords can no longer legally accept massive upfront payments, you could ask a family member or friend with a good credit score to help you out. This will involve them taking on legal responsibility to ensure the rent is paid.
A guarantor is usually a friend or relative who agrees to pay your rent in the event you can’t. They can help you secure a rental home by taking on legal responsibility to ensure the rent is paid.
There is also the option to use a commercial guarantor service if you can't use family or friends.
A guarantor is a good option if you:
are struggling to prove you can afford rent
have a very low credit score
are renting for the first time
are a student with a limited income
have no income at all.
As this person will take both the legal and financial responsibility for the rent on your behalf, they will have to pass a credit check too.
Your guarantor will need to:
be employed, or have enough earnings to cover your rental commitment
be able to pay the rent, and the landlord or lettings agent will carry out a credit check or ask for information about their financial circumstances
sign on the dotted line to agree to their legal obligations as your guarantor
While a guarantor may enable you to rent, there are significant risks for the person taking on this role.
If they fail to pay the rent, the landlord can take them to court. It’s important the guarantor knows exactly what they are getting into.
Renting a home if you are not a UK national
If you're moving from your home country to the UK, you'll need to get your head around the checks and references to rent a home.
At present, in England and Wales, landlords or lettings agents are legally obliged to check all renters have the 'right to rent' in the UK.
You will need to provide them with the following:
A digital 'share code': Physical Biometric Residence Permits (BRPs) expired at the end of 2024. Most overseas nationals must now prove their immigration status online via the Home Office service to generate a share code for the agent.
proof of identification, including a passport or national identity card and valid visa (if applicable)
original documents that prove your immigration status, such as a passport or biometric residence permit with unlimited leave
details of your employment (if available)
details of your expected earnings (if available)
character references
Note that if you have a visa, you will have a ‘time-limited’ right to rent to suit the purpose of your stay, as opposed to an ‘unlimited’ right to rent.
Those with an ‘unlimited’ right to rent include British and Irish citizens, as well as people who have the ‘right of abode’ in the UK, and those who have been granted ‘indefinite leave to remain’ or settled status.
You will need to present your share code or relevant documents to the agent or landlord before signing the contract so they can verify your status.
If you need someone to guarantee your rent, landlords will usually want a guarantor who lives in the UK, as it will make it easier to take legal action if required. This could make life tricky if, say, you’re an international student coming from abroad.
Since the 2026 laws made it illegal to offer massive chunks of rent upfront as a workaround, international renters without a UK-based family member increasingly rely on specialised, commercial UK guarantor companies to secure their tenancies.
You will need to present the relevant documents to the agent or landlord in person before signing the contract so they can take copies.
