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Lettings and property management

Document fraud checks for tenant referencing

Tenant referencing is where Fraudfinder started. We check every payslip, bank statement and guarantor document for edits in seconds, before the keys change hands.

Book a demoSee how it works
TO
T. OkaforTenancy · £2,150 pcm
High risk
Case file
Payslips3 months
Bank statement3 months · 6 pages
Guarantor statementParent guarantor
PassportRight to rent
What Fraudfinder found
Net pay editedChanged after the document was issued
Rent payments removedStatement doesn't reconcile on page 3
Guarantor income verifiedStatement credits match
Tenant ID verifiedLiveness passed
Reference, one verdictBefore move-in

A tenancy application checked end to end: income, affordability, guarantor and right to rent.

Speed
3.4s

From upload to verdict, by API or portal. Fast enough to check every document without slowing your decision.

Approach
3 layers

Forensics on the file, external data validation against real-world sources, and enrichment into clean, reconciled data.

Pricing
Per document

Never per page. Unlimited users. No set-up fee.

Trusted by referencing providers, lenders and platforms

Letref logo
Advanced Rent logo
Ultimate Finance logo
Carmoola logo
Moneybox logo

Where fraud gets in

Check every document in a tenancy application

Cifas reported false applications in tenant referencing up 263% in 2025, driven by false and altered documents. A forged payslip looks exactly like a real one.

net pay    £3,600
original   £2,100
Income edited
01

Income and affordability

We check payslips and bank statements for edited pay and hidden commitments.

printed ≠ decoded
Barcode ≠ printed address
02

Proof of address and residency history

We decode barcodes on utility bills, so edits show up even when they look perfect.

guarantor  P. Okafor
statement  acceptable
Guarantor checked
03

Guarantor documents

Guarantor payslips and statements checked in the same pass as the tenant's.

issuer     overseas bank
language   translated
balance    edited after issue
Any country
04

Overseas tenants and international documents

Foreign bank statements, overseas payslips and international credit reports, checked in any language.

POST /check
verdict  acceptable
source   referencing platform
By API
05

Referencing platform integration

Platforms embed Fraudfinder so agents don't download and re-upload files by hand.

deposit declared  £45,000
deposit evidenced £4,500
Deposit evidence inflated
06

Mortgage risk assessment

The same checks lenders use on payslips, statements and deposits, for property finance and buy-to-let.

Documents we check for lettings and property
Payslips and P60s

From any payroll system.

Bank statements

From any bank, including challengers.

Guarantor documents

Statements, payslips and proof of address.

Utility and council tax bills

Proof of address and residency.

Company accounts

For corporate and rent-to-rent tenants.

Passports and driving licences

With biometric liveness, in the same portal.

Every document

Overseas tenants and guarantors too

Payslips from any payroll system, statements from any bank and documents from overseas tenants and guarantors. Fraudfinder checks them all.

Bank statements

Payslips

Utility and council tax bills

Invoices

P60s and tax returns

Company accounts and filings

Mortgage and loan statements

Vehicle logbooks (V5C)

No claims letters

Solicitor and proof of funds letters

ID documents

Scans and photos

What we look for on the documents you see most

01Bank statements
  • Checked against genuine issuer formats
  • Balance reconciliation
  • Account holder confirmed with the bank (CoP)
02Payslips
  • Pay, tax and NI consistency
  • Font, metadata and version checks
  • Matched to statement credits
03Utility bills
  • Account numbers validated
  • Barcode decoding
  • Edits and templates flagged
04Invoices
  • Edited totals and line items
  • Supplier bank details via CoP
  • Font, metadata and version checks
05Tax documents
  • AI-generated document checks
  • Edits to figures and dates
  • Font, metadata and version checks

Proof

Results from teams already using it

Lenders, property firms and platforms use Fraudfinder to stop document fraud before it costs them.

Letref
"Rather than scouring through docs, often taking two people an hour or so, we can run them through Fraudfinder and if it comes back as high risk, it confirms our suspicions were correct. We rely on our judgement in conjunction, but it certainly has cut down the time spent, often from an hour or so to a few mins."
Kathy HawesDirector, LetrefRead the Letref case study →
91%less time spent reviewing documents
16%of unique documents flagged high risk
5 minsper review, down from an hour

ROI calculator

What document fraud is really costing you

Set your monthly volume, then adjust the assumptions to match your business.

6060,000
Your review costs
Your current error costs
28xestimated return on
Fraudfinder spend
Estimated net saving
£0
a year, or £0 a month

Review time recovered£0

Fraud and wrongful declines avoided£0

Less Fraudfinder cost£0

Net saving a year£0

Book a demo

Illustrative, based on the assumptions above, which you can change. Review time is recovered for higher-value work, not cut. Not a quote or guarantee.

Get started

See it catch real fraud

We'll run real fraudulent documents through Fraudfinder and show you what it would have flagged.

Book your demo

We'll show you Fraudfinder catching real fraud, live.

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FAQs

The questions fraud teams ask us

What is tenant referencing fraud?

A tenant or guarantor submits edited or fabricated payslips, bank statements or proof of address to pass an affordability check. Cifas reported false applications in tenant referencing up 263% in 2025.

How does Fraudfinder check a tenant's documents?

We inspect every file for signals a person can't see, using font, metadata and version history analysis, AI-generation and template checks. You get a high risk, consider or acceptable verdict with every reason behind it.

Can you check guarantor documents?

Yes. Guarantor payslips, statements and proof of address are checked in the same pass as the tenant's.

Can referencing platforms integrate it?

Yes. Referencing and property management platforms connect by API, so agents don't re-upload files manually.

Does it work for mortgage risk assessment?

Yes. Lenders and brokers use the same checks on payslips, statements and deposit evidence. See our mortgages page for more.

How long does a check take?

Seconds per document, so a reference isn't held up.

Do you check overseas tenants?

Yes. We check statements from any bank in any country, and documents in other languages are translated and checked in the same pass.

Document fraud detection and data extraction for lenders, brokers and financial institutions.

Cyber Essentials certified.

ICO REGISTEREDInformation Commissioner’s Office
CYBER ESSENTIALSCertified
GDPRCompliant

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