Can they afford it?
Quickly check if a prospective tenant can afford the rent using industry-standard affordability ratios. Works for landlords and tenants alike.
Tenant Details
Include loans, credit cards, car finance, etc.
Enter tenant details to see affordability results
Industry Benchmarks
Standard thresholds used by referencing companies
Rent-to-income ≤ 30%
Industry standard affordability threshold
Rent-to-income 30–40%
Borderline — may require a guarantor
Rent-to-income > 40%
Likely to fail referencing checks
Debt-to-income ≤ 40%
Comfortable total debt level
Debt-to-income > 50%
High risk of payment difficulties
Common questions
The 30% rule suggests that tenants should spend no more than 30% of their gross monthly income on rent. This is a widely used benchmark by letting agents and referencing companies.
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