Fraud Detection Technology for the Rental Industry

We understand your tenants’ background better than anyone else by using a rich variety of data points and fraud detection tools.

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Our fraud detection technology puts each tenant through a series of 150+ validation and data enrichment checks. We will uncover any falsification of any document provided to us. We catch 100% of fraudulent applications before they become costly.

How we can help your business

  • Protect your clients from fraud and default

    2% of all tenant applications are fraudulent.

    We stay one step ahead of the fraudsters to protect you and your reputation.

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  • Accept 25% more good tenants

    We go further than anyone else to understand your tenants' background. As a result we have a 25% higher approval rate, while only approving quality tenants.

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  • Create your own bespoke check

    Our hands-on approach allows us to offer a custom service in line with your preferred criteria, meaning we flex to support you and your team.

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  • Choose the best environment

    for you

    Our technology is our strength. We give you the ability to work with us through an integrated solution or our RESTful API.

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Fake Income Documents leave landlords and lettings agents exposed.

Around 2% of all rental applications in the UK are being submitted using fake financial and residential documents. The digitastion of the tenant referencing process has only lead to more widespread rental fraud. 

With the average cost of a bad tenant in defaults and legal proceedings totalling approximately £33,000, this is an expensive problem to have.

82% of surveyed UK letting agents told us that a thorough tenant screening process is essential to the reputation of their agencies. Faking salary information or job roles leaves landlords hugely exposed financially and can destabilise the reputation of the letting agent.

The most advanced technology

documents

Document analysis


Homeppl's fraud risk assessment technology is unique to the rental industry and forensically examines every piece of information contained or hidden in everyday documents, like bank statements, passports, or bills.

Over 52% of the letting agents we surveyed claimed that they have had to deal with false salary information and fake bank statements in the past two years. 

Our document analysis tools examine every element of a file from its font to its metadata. Combined with our data enrichment and human intelligence tests, this powerful source of fraud prevention means that we can spot fake financial information every single time.


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Data Enrichment & Behavioural Analysis


We securely assess tenants' financial data directly from the widest range of international banks, using open banking, giving you instant accurate results.

Data tells a story. We not only collect financial information from tenants but also behavioural information: employer information, open banking transactions, credit checks etc.

Our fraud management solution ensures that every part of that story adds up. We cross-reference an applicant’s financial and residential documents with their employment history and other background information to ensure consistency in the application.


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Human intelligence


Once our fraud database has scanned a tenant and detected any potential anomalies, our expert human team of fraud monitors then confirm decisions and clear false declines.

Financial Inclusion


The rewarding upside to our thorough fraud prevention technology is that we can approve 25% rental applications than any of our UK competitors.

Outdated credit and referencing checks with high rejection rates have lead to approximately 5 million tenants, including students, expats, internationals and the self-employed falling through the cracks. 

Our unique technology is so advanced we can assess the true validity of these tenants making these invisible applicants visible again. We help more people rent on fairer terms.

Book a short demo

and we'll show you how our fraud risk management will protect & grow your revenue