LetHQ is the UK's most comprehensive tenant referencing and credit checking solution for letting agents and landlords. Full credit checks, affordability assessments, employment verification, previous landlord references, CCJ history and rent guarantee insurance — all without a monthly subscription dragging on your P&L. ESTAS Contender 2025. 5-star rated on Kerfuffle.
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Tenant referencing exists to protect the landlord's income, the agent's reputation, and the property itself. But too many letting teams are either using services that cost them a subscription whether or not they write business, or cutting corners with checks that would not stand scrutiny if a rent arrears case went to court. LetHQ solves both problems: comprehensive, defensible referencing with no ongoing cost until you actually need it.
Most referencing services charge a fixed monthly subscription regardless of your throughput. During quieter periods — seasonal lulls, market slowdowns — you are paying for a service you are barely using. LetHQ charges only when you place a tenant. No let, no charge.
Superficial credit checks miss the patterns that matter: CCJ history, linked addresses, employment instability, gaps between self-declared and verified income. LetHQ's comprehensive checks are designed specifically to surface the risk that basic credit searches miss.
More landlords are requiring rent guarantee as a condition of instructing, particularly on higher-value properties. An agency that can offer a fully underwritten rent guarantee product alongside its referencing instantly becomes more attractive to the landlords most worth winning.
Guarantors who are not properly referenced are a false safety net — one that unravels the moment you need them. LetHQ's platform handles guarantor credit checks with the same rigour as the primary applicant, providing a complete picture of the liability structure before the tenancy starts.
LetHQ is built around the practical reality of UK lettings: agents need a defensible reference every time a tenant is placed, and the cost structure should reflect actual business activity rather than a fixed standing charge.
LetHQ runs comprehensive credit searches that surface County Court Judgements, linked addresses, previous insolvencies, and financial associations that other applicants may have declared inaccurately. The check is structured specifically for the lettings context — not adapted from a generic consumer credit model.
Declared income is verified against actual employment status, payslips and employer references — not taken at face value. Self-employed applicants are assessed against accounts and tax returns. The platform flags cases where the declared income does not match the evidence, before the tenancy starts rather than after the first missed payment.
LetHQ contacts previous landlords or letting agents directly to verify tenancy history — payment record, notice behaviour, property condition on departure. This is the reference check that matters most in a contested deposit situation and the one most referencing services handle most superficially.
Where a guarantor is involved, LetHQ applies the same rigorous credit, income, and identity checks to them that it applies to the primary applicant. A guarantor who cannot cover the rent in a default scenario provides no protection. LetHQ confirms they can before the agreement is signed.
Right to Rent checks are mandatory for all residential lettings in England. LetHQ's platform guides agents through the correct documentation requirements for each applicant category and maintains a record of checks carried out — providing a defensible audit trail in the event of a compliance investigation.
For landlords who need guaranteed income protection, LetHQ offers fully underwritten rent guarantee insurance alongside the referencing package. Agents can offer this as an added-value service for landlord clients — strengthening the instruction relationship and providing a revenue stream without the complexity of managing an insurance product in-house.
LetHQ is designed to slot into your existing lettings workflow. There is no complicated integration required to start, and no minimum volume commitment. You submit a reference when you need one and pay only when the tenancy proceeds.
Log into LetHQ's platform and submit the tenant's details — name, date of birth, addresses, employment information, and consent to proceed. The online form is straightforward and can be completed in minutes. Guarantor details can be submitted at the same stage where applicable.
LetHQ's team contacts previous landlords, employers and other referenced parties directly on your behalf. You do not need to chase, follow up or make awkward calls to previous agents asking for references on a mutual client. The reference-gathering is handled completely off your desk.
Simultaneously, the platform runs the full credit check — CCJ history, linked addresses, financial associations, Right to Rent verification. All checks run concurrently where possible, which means the completed reference arrives faster than a sequential process would allow.
The completed reference report is delivered directly to your letting agency. It contains a clear pass/fail recommendation alongside the underlying evidence — credit data, employment confirmation, previous landlord commentary and compliance status. Everything you need to present the outcome confidently to your landlord client.
Where a landlord wants income protection, LetHQ's rent guarantee insurance can be added at this stage. The underwriting uses the reference data already gathered, so there is no duplication of information gathering. Your landlord gets a defensible reference and guaranteed income protection in one transaction.
LetHQ is a Kerfuffle partner and an ESTAS Contender 2025 with a 5-star rating across 12 verified agent reviews on Kerfuffle. Members of Kerfuffle access the service through a commercial conversation with their account manager — not a faceless online checkout.
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LetHQ's no-subscription model means your referencing cost directly reflects your lettings activity. Quieter months cost less. Busier months are covered. Your Kerfuffle AM sits in the commercial conversation to make sure the deal makes sense for your portfolio size and throughput.
LetHQ's full Kerfuffle profile has 12 verified agent reviews, ESTAS history, and the full service breakdown. All 12 reviews are 5-star. Open in a new tab and come back.
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A walkthrough of the referencing process, the credit and CCJ check structure, guarantor handling, rent guarantee insurance options, and Right to Rent compliance tools — followed by Q&A for lettings managers and compliance leads.
How letting agents currently paying monthly for referencing software they are underusing can switch to LetHQ's pay-per-reference model — and get a more comprehensive check in the process. Covers credit checks, previous landlord referencing, guarantor checks, and rent guarantee underwriting in a single session.
Based in Wallasey, Wirral, LetHQ has built its reputation on providing the most comprehensive tenant referencing available to UK letting agents, with a pricing model that aligns with actual lettings activity rather than imposing a fixed overhead. ESTAS Contender 2025, 5.0 stars on Kerfuffle, 4.0 on Trustpilot. An independently owned specialist that has been serving the UK lettings market with a straightforward proposition: charge for results, not presence.
LetHQ is part of the PropTech That Pays Back programme on Kerfuffle — an initiative that rewards agents with kredits for actively using the tools and partnerships they rely on. See LetHQ's pay-back terms, read what other agents have earned, and start getting credit for the referencing work your team does every week.
Comprehensive referencing with no monthly subscription. Rent guarantee insurance when you need it. Commercial terms reviewed by your Kerfuffle AM before you commit to anything.
Want to understand whether LetHQ is right for your volume?
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