What is a rental reference?
A reference is a letter or document that confirms an individual’s ability to meet financial obligations, reliability, and trustworthiness. It should be written by someone who has a connection with the individual, such as a previous or current landlord.
For first-time renters without prior references, it is acceptable to request a reference from an employer, colleague, roommate, or neighbour.
The purpose of a reference is to provide prospective landlords with information about the individual’s character and suitability as a tenant. Providing at least two references can assist landlords in evaluating potential tenants.
How to obtain a property as a first-time renter
Even though you have never rented a home before, it is still possible to get approved for a property. While references from previous landlords are requested, that is not to say you can’t demonstrate your trustworthiness in other ways.
You will need to show that you can pay your rent on time, take care of the property and meet the terms of the tenancy agreement.
If you can prove that you are responsible, tidy, and have a good history of paying bills on time, you are on track to renting your first home. Even though you can’t provide a reference from a previous landlord, there are plenty of other documents that can put you in good stead.
Verification of your employment or regular income assures your landlord or property manager that you will pay rent on time, while a record of monthly mobile phone bill payments is also helpful. If you have been living in student accommodation, you could also offer a reference from the complex manager.
References from your employer or manager can demonstrate your sense of responsibility, while references from teachers, neighbours or even your doctor can help bolster your application.
First time renting tips
For individuals renting for the first time without prior rental history, there are various methods to present themselves as reliable and financially capable tenants in a rental application. The following tips provide guidance for first-time tenants seeking to secure a rental property without references.
- Give the landlord a sense of security
Landlords want to keep their investments in good condition. While they have certain obligations when it comes to maintenance, some responsibility falls on the tenant, too.
Tenants are expected to keep the property clean and tidy. Regardless of previous living arrangements, most individuals have encountered rules regarding household cleanliness. As a tenant, it is necessary to ensure proper airflow in the bathroom to prevent mould, promptly clean spills, and avoid damage to flooring, walls, or fittings. Landlords should be informed as soon as possible about any maintenance issues, such as leaks, so that they can address problems quickly. This helps to preserve the condition of the property and prevents minor issues from becoming more significant.
- Provide a guarantor
A guarantor is an individual who agrees to pay rental payments if the tenant does not meet their obligations. Often, a guarantor is a parent. Landlords may request a guarantor to help ensure that rent will be paid on time, which can make a rental application more likely to be accepted. This arrangement can benefit individuals with limited or irregular income, as well as those moving out for the first time. If a rental guarantor is included, it should be noted on the lease that the guarantor will not reside at the property, which may support the application process.
- Show proof of income
Providing the landlord with proof of regular payment can demonstrate financial reliability. Supplying evidence of income may indicate the ability to meet future rental payments. For freelancers or individuals without regular income, it is necessary to offer comprehensive documentation. This can include presenting recent tax returns, client contracts, or records of savings.
- Offer repayment
Certain landlords or real estate agents may be more inclined to consider your application if you are prepared to pay additional rent in advance. In the absence of a rental history, offering three months’ rent upfront can effectively demonstrate both your commitment and financial reliability. Supplementing your application with a cover letter highlighting your strengths and including personal references may further enhance your prospects of securing your first rental property.
- Set up direct debit
Many rental offices expect tenants to use a direct debit payment system for rent. However, even if it isn’t required by your potential landlord, you should still offer it as part of your rental application. This is because it shows you’re committed to paying your rent on time.
- Expand your search
If having no rental history stands in your way of getting a rental, then consider broadening your search. Some ideas include looking for shared accommodation where landlords are typically more lenient. Shared accommodation also means you can split rent costs which helps to save you money. You can also look for private rentals online or seek a rental agent who can help you find rental options which suit your circumstances.
Reach out to a real estate agency that lists rentals and has an experienced and qualified Property Manager. They can guide you through the process and get you into your first rental property.
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