Blinc-UK

Tenant referencing, re-imagined

The most thorough reference we have ever built, driven by the tenant from their phone, with results that can be instant. And the same platform runs your AML checks and rent guarantee, so lettings and sales are covered in one place.

£8per report, every check included

  • Results can be instant
  • Certified digital ID with Right to Rent
  • Pay-as-you-go AML, no minimum spend
  • £100,000 rent guarantee for landlords

Three services, one platform

Referencing, AML and rent guarantee, in one place

Built by two former agents for the way lettings and sales firms actually work. Use one service or all three; they share one login, one invoice and one team on the phone.

Now live

Flagship

Tenant referencing

£8per report, every check included

The most thorough reference we have ever built: certified digital ID with Right to Rent, open banking, live HMRC data, Land Registry, PEP and sanctions screening and anti-fraud checks, driven by the tenant from their phone. £8 per report.

Explore referencing

Lettings and sales

AML compliance

Every AML file complete, connected and ready to show. Identity, company and source-of-funds checks, custom risk assessments and Land Registry integration. Pay-as-you-go, with no minimum AML spend.

Explore AML

For your landlords

Rent guarantee

£100,000 rent guarantee and legal expenses insurance, from £20 a month including IPT. Protect your landlords' rental income and your relationship with them.

Explore rent guarantee
  • 17 years in UK property
  • Trusted by 1,000+ agents
  • 22-strong UK team
  • Rated Excellent on Trustpilot

Tenant referencing · Now live

Not a cheaper reference. A better one.

Every reference is assembled from live, verified data rather than paperwork the applicant chooses to send. Instant when the tenant connects their bank, very quick when they don't, and £8 per report with every check included.

  • Certified digital identity check with Right to Rent
  • Open banking income verification
  • Live HMRC employment and income data
  • Land Registry checks on homeowner applicants and the property being let
  • PEP and sanctions screening on every applicant
  • Anti-fraud checks: fraud database, mortality register, credit active data and IP address warnings
  • Credit, CCJ, insolvency and address data points
  • Guarantors and additional applicants £8 each
app.blinc-uk.com/referencing

Jordan Hale

Full ReferenceComplete

12 Harbour View, Brighton · £1,550 pcm

OverviewIdentity1Income2Credit1Referees1Right to Rent
Result & outcome
Recommended: Approved

All checks passed — approval recommended.

Affordability: Verified £32,000/yr (HMRC) vs required £23,250/yr

Checks

8 of 8 complete
  • Identity checkClear · certified digital ID
  • Right to RentConfirmed · British passport
  • Credit & background checkNo CCJs or insolvency
  • Bank account matchVerified · open banking
  • Income verificationHMRC PAYE · Northgate Ltd
  • PEP & sanctions screeningClear · no matches
  • Anti-fraud checksClear · no IP warnings
  • Current landlord referenceConfirmed · referee verified
Approved▾Confirm outcome
Timeline
9 minutes
  1. 1Link sent10:42
  2. 2Tenant completed10:49
  3. 3Result10:51

What your negotiator sees nine minutes after sending the link. Illustrative; all details are fictional.

Trusted by over 1,000 agents

Loved by agents. Rated Excellent by tenants.

I have been using Blinc for almost 4 years now and I LOVE it. The platform is intuitive and easy to use and the team are really personable, knowledgeable and helpful. Very happy indeed.
Perry PowerPower Bespoke
Blinc has been a game-changer for our agency. Their tenant referencing process is incredibly efficient and user-friendly. The team is always available to answer questions and provide support. They save us time and allow us to focus on providing excellent service to our clients.
Tom MayfieldWinkworth Cheltenham
We have found the services Blinc offer to be of the highest standard, their staff are personable, pleasant and attentive and we would definitely recommend them to anyone looking for a better service from their referencing agency.
James HoneycuttJames Dean

Ready to show, every time

Four questions worth asking of your AML files

If the honest answer to any of these is “not quite”, Blinc-UK was built for you.

Can you see the client, property, ownership and funds together?

In Blinc-UK: Everything sits against one transaction, from the HM Land Registry title (at cost, £7) to each client's checks.

Are you keying the same details in more than once?

In Blinc-UK: Add the property once. Clients complete their ID and AML checks from their phone, and anything that needs a closer look comes to you for review.

Could someone else see the evidence, the risk and the reason for your decision?

In Blinc-UK: The risk assessment is completed on the form your MLRO designed, with the decision and evidence kept in the same file.

Can you add further enquiries without losing the history?

In Blinc-UK: Every step stays on the audit trail and nothing can be quietly edited. Live ongoing monitoring keeps watching after onboarding.

  • Estate agents

    Supervised by HMRC. Buyer, seller, ownership and source of funds evidence kept together for every sale.

  • Letting agents

    Lets of £10,000 or more a month fall under the Money Laundering Regulations, and financial sanctions reporting applies whatever the rent. Landlord and tenant checks stay on one record.

  • Conveyancers

    Supervision of legal services is moving to the FCA in phases. The same connected file, whichever supervisor asks.

What sets Blinc-UK apart

Two capabilities that change how firms run AML

Plenty of tools tick the compliance box. These two are why property firms choose Blinc-UK.

Custom risk assessments

Risk models built around your firm

Your MLRO configures the risk factors, scoring and escalation rules — then they apply consistently to every buyer, seller, landlord and tenant. No generic, one-size-fits-all questionnaire bent to fit property.

  • Firm-specific risk factors and weightings
  • Automatic escalation on the rules you set
  • Consistent, defensible outcomes on every case

Land Registry integration

AML on the real legal owners

Pull official title and registered-owner data straight from HM Land Registry and run checks on who actually owns the property — something you won't find in most of the big-name AML platforms.

  • Official title and ownership data, on demand
  • Verify the true legal owners, not just the instructing party
  • Catch mismatches before they become a problem

AML compliance

Everything you need to run AML, in one place

Purpose-built for property — not a generic compliance tool bent to fit. Every feature is tailored to how sales and lettings firms actually work.

Virtual AML Checks

Send a secure link and your client verifies themselves from their phone — an ID scan, a quick selfie and full PEP, sanctions and adverse-media screening — in minutes.

In-Person AML Checks

Client in the branch? Scan their ID there and then — the document is read automatically with no retyping — and run the same full screening on the spot.

Company & Director Checks

Screen corporate clients end to end: registration, filings, officers and ownership pulled automatically, then chain AML checks onto the directors you select.

Land Registry IntegrationStandout

Pull official title deed documents and registered-owner data straight from HM Land Registry, then run AML on the actual legal owners.

Open Banking Proof of Funds

Verify source and proof of funds securely via Open Banking — no bank statements to chase, and anything you don't need is automatically deleted.

Custom Risk Assessments

Your firm's MLRO builds the risk assessment forms your staff complete on each AML case — keeping compliance in their hands and surfacing the cases they need to review.

MLRO Escalation & Review

Attention outcomes route to a review queue where staff accept, reject or escalate — and escalation blocks the case until your MLRO has ruled on it.

Ongoing Monitoring

Continuous PEP, sanctions and adverse-media monitoring, with alerts the moment something changes.

Case Grouping

Group cases, risk assessments, property data and ongoing monitoring so everything for a transaction is tracked and audit-ready in one place.

Audit Trail & AML Certificates

A complete, tamper-proof record of every action — plus a branded AML certificate PDF to hand to lenders, solicitors or your supervisor.

Multi-Branch Teams

Branches, roles and permissions modelled the way agency groups actually run — every user sees exactly what their branch and role allows.

Open API

Anyone can integrate with Blinc-UK. Start checks, follow their progress and pull results from your own CRM, case-management or proptech software — with a free sandbox to build against.

Explore the Open API
Open APINew

Anyone can integrate with Blinc-UK

Run Blinc-UK checks from inside the software your team already uses. Our Open API lets any CRM, case-management or proptech platform start checks, follow their progress and pull the results — with a sandbox to build against before a single check is billed.

  • Start virtual and in-person AML checks, Land Registry searches and name-on-title checks from your own system
  • Results, certificates and every status change are pushed to you the moment they happen
  • Clear documentation, a free test sandbox, and versioning that never breaks a working integration

Already a customer? Your admin can create API keys under Company → API in the platform.

app.blinc-uk.com/api/v1
POST/v1/aml-checks201 Created
Authorization: Bearer blinc_live_••••••••
Idempotency-Key: 6f1c9a2e-…

{
  "type": "virtual",
  "customer_type": "vendor",
  "first_name": "Jess",
  "last_name": "Hale",
  "email": "j.hale@example.co.uk",
  "ongoing_monitoring": true
}
Then, when the client completes the check — pushed to your endpoint, signed:
Eventaml_check.completedDelivered
{
  "type": "aml_check.completed",
  "livemode": true,
  "data": {
    "id": "aml_2qk7…",
    "status": "completed",
    "result": { "outcome": "clear", "flags": [] },
    "dashboard_url": "https://app.blinc-uk.com/…"
  }
}

Rent guarantee

£100,000 rent guarantee and legal expenses cover for your landlords

Rent protection keeps the relationship with your landlord strong even when a tenant falls behind. In partnership with Legal Protection Group, cover starts from £20 a month including Insurance Premium Tax.

  • Rental income continues, even when a tenant stops paying
  • Legal expenses covered, so disputes don't become a bill
  • A stronger service to landlords, and more lets won
  • Priced by rent band, with IPT included in every figure

Annual and monthly, by rent band

Rent (pcm)AnnualMonthly
£0 – £2,500£225.00£20.00
£2,501 – £4,000£350.00£31.00
£4,001 – £5,000£400.00£36.00
£5,001 – £8,000£600.00£52.00

Prices include Insurance Premium Tax.

Simple, fair pricing

Pricing you can explain in one sentence

One price per reference, pay-as-you-go AML with no lock-in, and rent guarantee by rent band. Nothing to forecast and nothing to burn through.

Tenant referencing

£8 per report

Every check included, for every applicant. Guarantors and additional applicants £8 each. No tiers to decode.

AML compliance

Pay-as-you-go

A simple monthly platform fee, then pay only for the checks you run. No minimum AML spend, and Land Registry searches at cost (£7).

Rent guarantee

From £20 a month

£100,000 rent guarantee and legal expenses cover, priced by rent band, with Insurance Premium Tax included.

Prefer to talk it through?

Book a demo and we'll walk you through referencing, AML or both, with pricing for your caseload. No obligation.