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    Smarter, In-Depth
    Tenant Referencing

    Our AI and team analyze real financial behavior - income, spending, and affordability - to reveal the true picture that credit reports and traditional referencing miss.

    Pay only for Tenants who passGet results in 24hrs
    Start Referencing
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    Every Passed Tenant Qualifies For Rent Protection Insurance

    Traditional Tenant Referencing

    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.

    The Husmus Way

    When we say a tenant is reliable, we're willing to insure them ourselves. No squabbling at claim time.

    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.

    Only pay for successful assessments

    Simple Pricing, Incredible Value

    Essential

    £30per vacancy

    Best for when you have one specific tenant in mind

    Returns one successful tenant (screen multiple people, receive one success)

    Unlimited screening per vacancy (we screen until one passes)

    Full, comprehensive report (financials, fraud/crime watchlists, ID, rent payments)

    Most Popular

    The Shortlist

    £60per vacancySave 20%

    Best for high demand homes or when you want to compare options

    Returns three successful tenants (screen multiple people, receive options)

    Unlimited screening per vacancy (we screen until you have three options)

    Full, comprehensive report (financials, fraud/crime watchlists, ID, rent payments)

    Are you an Agent or Portfolio Landlord?

    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.

    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

    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 Shield

    Replace deposits, guarantors and other security

    from £9/month

    Rent Guarantee

    Rent Shield

    Protect your rent and property. Includes legal support

    from £12/month

    Landlord Insurance

    Landlord Insurance

    Protection for the home and stuff in it. Can include boiler & home emergency cover

    from £10/month

    FAQ

    We know you must have some questions.

    Didn’t find what you need? Head over to our help centre

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    Husmus is a trading name of Husmus Ltd. Husmus Ltd is incorporated in England and Wales (company number: 11517165). Our registered address is 13 Freeland Park, Wareham Road, Lytchett Matravers, Poole, BH16 6FA. Husmus is an appointed representative (Reference Number 953270) of Xact Risk Solutions Limited who is authorised and regulated by the Financial Conduct Authority (FCA), reference number 590914. We are also registered with the Information Commissioners Office in relation to the processing of personal information (registration number: ZA525898).