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Tenant Referencing We're Confident Enough to Insure

100% Complete in 24 Hours. Pay Only for Tenants Who Pass.

Deep behavioral analysis using Open Banking, HMRC, and fraud databases. While others just check credit reports, we verify spending patterns, income sources, and sanctions—guaranteeing you make the right decision, fast.

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3,000+

Landlords Trust Us

24 hours

100% Complete

25,000+

Assessments Done

88%

Would Recommend

We Back Every Decision We Make

Every tenant who passes our assessment is automatically eligible for Husmus Rent Protection Insurance.
Why does this matter? Traditional referencing companies pass or fail tenants, then walk away. If your "approved" tenant defaults, you're on your own dealing with insurance claims and disputes.
Why we're different
When we say a tenant is reliable, we're willing to insure them ourselves. No squabbling at claim time. No "they passed referencing but insurance won't cover them." We assess them, we back them.
This is complete alignment with your goals. We only succeed when you succeed.

We Don't Just Check Credit Reports—We Verify Real Financial Behaviour

Most referencing services rely on credit scores and uploaded documents. Fraudsters can fake both.
We go deeper.

Real-time Income Verification

Via HMRC and payroll integration. We verify any income, not stated salary on a form.

Spending Pattern Analysis

Affordability, rent payments, bill payments and financial stability indicators.

Comprehensive Fraud Checks

UK & EU sanctions lists plus National Fraud Database screening on every applicant.

Biometric Identity Verification

We verify the person applying is who they say and give you a head start on Right to Rent

The result? You see if they can actually afford your property—not just if they have a good credit report.

Simple Pricing, Incredible Value

Only pay for successful tenants.

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£30
x 1 successful tenant
Best for when you already have a tenant in mind
Returns one successful tenant
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£60
x 3 successful tenants
Best for high demand homes or when you want options
Returns up to 4 successful tenants

What we actually check

Our AI uses thousands of data points to see what really matters.
Real Financial Picture:Secure Open Banking integration verifies income and spending for a real-time view of what a tenant can afford.
Verified History:We analyze verified rent payment history and flag for known issues like property damage (where available).
Income Stability:Our AI assesses employment patterns, not just current status, accommodating diverse income types (self-employed, gig economy, pensions, benefits) – we focus on income presence and stability.
Advanced Fraud Detection:Robust ID verification, data cross-referencing, and AI-powered pattern recognition actively identify and flag suspicious applications.
Inclusive Assessment:By focusing on the complete financial picture, we provide a fair assessment for reliable tenants often missed by rigid traditional checks.

Make Smarter Decisions, Faster

Reduced Risk

Reduced Risk

More accurately predict affordability and tenant reliability

Increased Speed

Increased Speed

Fill vacancies faster, reducing void periods

Improved Efficiency

Improved Efficiency

Cut down on admin time and costs associated with manual checks

Pay for Success

Pay for Success

Tenant failed? No problem. We keep assessing until we find a suitable tenant

Enhanced Eligibility

Enhanced Eligibility

Identify reliable tenants missed by traditional methods

Confident Decisions

Confident Decisions

Base your approvals on comprehensive, data-driven insights

Want additional cover?

All our tenants are eligible for Husmus Rent Protection. Plus get

Tenant Guarantee

Tenant Protection

Replace guarantors and other security

Learn more

From £9/ Month

Rent Guarantee

Rent Guarantee

For eviction support and unpaid rent

Learn more

From £20/ Month

Landlord Insurance

Landlord Insurance

Protection for the home and stuff in it

Learn more

From £16/ Month

Loved by landlords and agents

Husmus solves a huge worry for me. Fraudsters are getting smarter and more sophisticated by the day and I'm a small landlord. I don't have the resources to keep up.
- Mark Accidental Landlord
They managed to find a tenant that was using a fake passport! Can you imagine that. If they were lying about that, goodness knows what else was a lie. Thank you so much!
- Julie Portfolio Landlord
To be honest, your behavioural assessment is the best thing I've heard. I've rented to people who sounded great on paper and ended up being nightmares who trashed my house. They were doctors!
- Amy Small Landlord

FAQ

We know you must have some questions.

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