How affordability is usually checked
Many UK referencing providers start by checking that a tenant’s gross annual income is at least 30 times the monthly rent (about 2.5 times the annual rent). Where a tenant falls short, a guarantor (often required to earn around 36 times the monthly rent) or evidence of savings may be considered. Since 1 May 2026, landlords in England can't take rent before the tenancy agreement is signed, or more than one month's rent in advance, so offering extra rent up front is no longer an option.
Every provider sets its own criteria, so treat this as a guide rather than a decision. Joint tenants’ incomes are usually combined.
Treat applicants fairly
Since the Renters’ Rights Act 2025 reforms took effect, landlords and agents in England must not refuse tenants simply because they receive benefits or have children. Assess each applicant’s affordability on their individual circumstances.
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Frequently asked questions
How much should a tenant earn to afford the rent?
A common guide is an annual gross income of at least 30 times the monthly rent. For £1,000 a month, that is £30,000 a year.
What if a tenant does not meet the affordability check?
Options include a guarantor, combining joint tenants’ incomes, or evidence of savings. Each referencing provider has its own rules.
Can I refuse a tenant because they receive benefits?
In England, landlords and agents must not operate blanket bans on renting to people who receive benefits or have children. Assess each applicant individually.