Blinc-UK

Tenant referencing · Early access

Tenant referencing, re-imagined

The most thorough reference we have ever built, at the lowest price we have ever charged. Certified digital ID with Right to Rent, open banking, live HMRC data, Land Registry and credit data, driven by the tenant from their phone. £8 per report. Early access is open now.

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

6 of 6 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
  • 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.

£8

per report

One price covers every check for an applicant. Guarantors and additional applicants are £8 each too.

Instant

when the tenant connects their bank

Open banking means income and affordability land the moment they connect. Without it, the rest of the checks still come back very quickly, not days later.

At source

not from a PDF

Identity, bank, HMRC, Land Registry and credit data pulled directly, not documents the applicant chooses to send you.

What's in every £8 report

Full referencing, built on the latest technology

Each reference is assembled from live, verified data points rather than paperwork, so what you read is what the source said.

Certified digital identity, Right to Rent included

A certified Identity Service Provider (IDSP) check, the standard the Home Office accepts for digital Right to Rent. British and Irish passport holders are covered in the same check; everyone else goes through the Home Office share code route. The evidence stays on the file.

Open banking income verification

The tenant connects their bank in seconds, read-only. Income, outgoings and rent affordability come from real transactions, not a statement that can be edited before it reaches you.

Live HMRC employment and income data

The applicant signs in to their Government Gateway and HMRC's own PAYE record confirms who employs them and what they earn. No calling payroll, no waiting for an employer reference.

Land Registry integration

Applicants who own their current home are checked against the Land Registry title at that address, and the property being let is confirmed against its registered owner through the linked AML check, so the landlord is verified too.

Multiple digital data points

Credit history, CCJs and insolvency, address verification and more, all tied back to the verified identity. The more points that agree, the harder the reference is to fool.

A clear recommendation

Every area is rated so a negotiator can read the outcome at a glance, and anything that needs a closer look comes to you for review.

How it works

Tenant-driven, from link sent to result

  1. 01

    Add the applicant and send the link

    Name, email and the property. That's all your branch has to key in.

  2. 02

    The tenant does the rest from their phone

    Identity and Right to Rent, bank connection and HMRC sign-in, in one guided flow. No scanning passports or photographing payslips for your negotiators.

  3. 03

    Read the recommendation

    Results land as each step completes. You get a clear recommendation with every area rated, and the evidence stays on the file for when a landlord asks how you checked.

The maths on referencing just changed

Since the Tenant Fees Act, every reference comes out of your fee or your landlord's. We built this one so you never have to choose between a thorough check and a quick, affordable one.

  • £8 per report, every check included
  • Guarantors and additional applicants £8 each
  • No bronze, silver and gold tiers to decode
  • Results can be instant

Why it's better for your branch

Built for the way a lettings desk actually works

Built by two former lettings agents who started out doing referencing by fax machine in 2008, and have been trying to make it faster ever since.

Say yes while the applicant is still keen

Good tenants have options. A reference that can come back before they've left the car park lets you confirm the let before they book a viewing somewhere else.

Your negotiators stop being chasers

Send the link and the tenant does the rest. No three-day email trail with payroll, no waiting for a previous landlord to call back.

Fewer void days for your landlords

Every day between offer and move-in is rent your landlord doesn't collect. Shorten it, and the renewal conversation starts from a better place.

A reference you can stand behind

Edited payslips and bank statements are the easiest fraud in lettings. Data pulled straight from the bank, HMRC and the Land Registry gives you a clear answer when a landlord asks, “how did you check?”

Right to Rent handled in the same flow

Civil penalties for Right to Rent failures rose sharply in 2024. Here the check is part of the reference, with the evidence kept where you can find it.

Already use Blinc-UK for AML?

Referencing sits alongside your AML checks on the same platform, with the same login and the same team on the phone. New to Blinc? Referencing stands on its own, so you can start there.

Questions

What agents ask us first

Is it available now?
Early access is opening in stages. Join the waiting list and we'll be in touch when it's your turn, with a live walkthrough from link sent to result, and get your branch set up among the first agents to use it.
What does £8 per report include?
Everything for one applicant: the 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 on the property being let, and the credit, CCJ, insolvency and address data points. Guarantors and additional applicants are £8 each too.
How quickly do results come back?
When the tenant connects their bank through open banking, income and affordability are confirmed the moment they do. Even without that connection, the remaining checks come back very quickly rather than days later, because the data is pulled directly from the source instead of waiting on a referee.
Is Right to Rent included?
Yes. The identity check is carried out by a certified Identity Service Provider (IDSP), the standard the Home Office accepts for digital Right to Rent. British and Irish passport holders are covered in the same check; everyone else goes through the Home Office share code route. The evidence stays on the file.
Do you still contact employers?
No. The applicant signs in to their Government Gateway and HMRC's own PAYE record confirms who employs them and what they earn, so there's no employer reference to chase.
Does it work with our tenancy software?
Yes. Referencing connects to Pink Chilli, so a completed reference flows straight into tenancy set-up, and the Blinc-UK Open API is available for CRM and proptech integrations.
Do we need to use Blinc-UK for AML as well?
No. Referencing stands on its own, so you can start there. If you already use Blinc-UK for AML, referencing sits alongside your AML checks on the same platform, with the same login and the same team on the phone.

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

Recent reviews

Tenant-driven referencing only works if tenants find it easy. Recent public reviews from applicants and agents, via Trustpilot and Google.

I was impressed with the service. Firstly the simplicity of the platform, clear plain English instructions, intuititive and easy to follow. The automatic upload was greaty. Of course, you cant always account for human error, i.e. me missing a document, this was really efficiently communicated to me, I responded and the job was completed. Fast, straightword and stress free in a stressful time. Top marks, thank you.
Glyn Miles30 September 2026via Trustpilot
Just wanted to say a huge thank you to the Blinc Referencing team. They were really helpful, informative and were able to help guide a vulnerable older lady through referencing with ease (passed refs in just over 24hours), where other agents had stayed away from her. Again huge thank you and your patience.
Richard CraftGoogle reviewvia Google
I was really pleased with how smooth it was. The online form was simple to fill in and didn't take long. They kept me updated at each stage, so I always knew where things stood.
Mimi Jalmasco6 October 2026via Trustpilot

Tenant referencing · Early access

Join the waiting list

Tell us a little about your branch and we'll be in touch when it's your turn. The first agents on the list are the first to run the most thorough reference we have ever built.

  • Early access is opening in stages, branch by branch
  • A live walkthrough from link sent to result when it's your turn
  • £8 per report, every check included
  • No obligation, and no change to your current referencing until you say so

No obligation. We'll only use your details to arrange early access, and you can opt out any time.

Prefer to talk it through?

Book a demo and a real person will walk you through a live reference, from link sent to result, and show you exactly what your negotiators and your landlords will see. No obligation.