All details relating to the applicant’s current employment (and previous, where necessary) will be checked and verified. A basic salary figure, together with the length of service and position held, will usually determine our final decision, although commission and certain additional allowances may be taken into consideration when appraising the applicant. If we are at all concerned about the validity of the reference, we carry out additional company credit checks free of charge. Sometimes we ask for further verification such as bank statements and corresponding payslips. Some of our landlords/letting agents instruct us to collect three months personal bank statements for each application, applicants are instructed to upload these with their application, this is a great way to verify income. We also ask all applicants to upload their most recent payslip.
We will contact the applicant’s accountant, access information relating to the financial status of the applicant’s business (additionally supplying a company credit check when we think this will be helpful), ask for bank statements where no accountant is used and, if necessary, tax returns.
Income from a Private or Company pension will be confirmed, through documentary evidence, accountants reference or six months bank statements. Any decision will be based on financial circumstances and satisfactory personal references.