The future of tenant referencing unlocked
VISTA is a ground-breaking tenant referencing solution that provides accurate affordability assessment of applicants and mitigates fraud risk.
The result of a £3m investment, 3 years research and development, and a partnership with data specialists Experian, VISTA completes over 70% of tenant reference applications the same day.
Helping you make more profitable decisions in less time
Ultimate fraud prevention
The best tenants secured
Faster turnaround
The 4 pillars of VISTA
The 4 pillars of VISTA underpin this industry-first tenant referencing solution.
VISTA scorecards provide the most forensic findings of an applicant's suitability for a property.
VISTA provides enriched verification of applicants by utilising more data sources to confirm identification and previous addresses. As standard, the new ID check will aim to confirm at least two primary data sources.
VISTA brings tenancy fraud prevention to its forefront by easily and accurately identifying data inconsistencies across tenancy and other credit applications. These alerts, generated by in-depth data analysis, will then be further examined by our expert team to determine the best course of action.
VISTA’s affordability calculation will surpass the previous income-to-rent ratio calculation and instead, assess an applicant’s credit commitments and basic essential expenditure associated with renting a property. These findings will then be compared to their monthly income to determine if the rent is affordable to the applicant.
Fit for the future
Fraud detection
On average, HomeLet deals with over 150 cases of fraud a day. With design software that can visually manipulate documents readily available, increasing competition in the rental market and the ongoing cost of living crisis, tenancy fraud is more frequent, complex and targeted than ever before.
By utilising HomeLet AI and referencing over 500 million touchpoints, VISTA will serve as the ultimate protection against tenancy fraud by providing a deeper and more forensic data assessment than any other solution
Affordability calculation
Despite the intensified depth of VISTA’s ID verification and credit history authentication, the solution by no means is designed to inflict harsher standards on tenancy applicants. Instead, VISTA is designed to provide the fairest and truest affordability calculation in the market.
By completing a real-time assessment on an applicant’s income and affordability rather than penalising someone on historic indebtedness which has since been rectified we are able to make a fairer assessment on applicant's credit commitments and outgoings.
Industry insight
Commenting on VISTA, Andy Halstead, HomeLet Chief Executive Officer, said:
“In a housing market storm, with 20-25 prospective tenants per property, securing the right tenant is paramount. Fraudulent references are surging, intensifying the need for agents and landlords to choose wisely from the start.
Our advanced referencing process VISTA surpasses all referencing solutions today. HomeLet leverages data, tech, and human expertise to provide the highest protection for our agents and landlords in the face of the housing market crisis and rising fraudulent references.”
Centres of Excellence
With our industry-leading technology and innovative data management, HomeLet solidifies the robustness of our referencing infrastructure with one final, but crucially important element – our people.
Our sophisticated platforms and data wouldn’t live up to their potential without our experts harnessing the power of these assets to maximise referencing efficiency, accuracy and equality.
When data cannot be acquired by one of the 4 pillars of VISTA, then we have dedicated teams of trained referencing specialists to complete this process and conduct thorough fraud prevention measures.
Our Centres of Excellence specialise in:
- Overseas applications
- Applications with no full credit file, but living in the UK
- Manual income verification
- Fraud alerts
A referencing solution like no other
VISTA integrates the perfect blend of technology, data and people and brings it to the forefront of tenant referencing and fraud prevention.
TURNAROUND DOWN FROM DAYS TO MINUTES
REFERENCING 500 MILLION + TOUCH POINTS
ULTIMATE COMBINATION OF DATA, TECHNOLOGY AND PEOPLE
REAL-TIME AFFORDABILITY
30 YEARS + OF EXPERIENCE
£3 MILLION INVESTMENT
Access your VISTA demo
Protecting your business
Our continued innovations, investments in our systems and unique data can provide detailed checks that nobody can match.
500 Million data points to check against
Full credit file access for intelligent decision making
All references checked against the UK’s largest tenant defaults database
Access to the National Fraud Database
Consistency of application cross-checking
Robust emails and applicant behaviour checks to highlight rogue applications
What we can do for your business…
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