How a previous-landlord reference is made trustworthy
A reference is worth as much as the person who gives it, and anyone can claim to be a former landlord. So no reference is added before our team has checked who gave it, against the tenancy agreement.
- 1Tenant
The tenant uploads the tenancy agreement
For each past tenancy: the Greek tax authority's (AADE) rental declaration or, abroad, the contract. Each tenancy gets a unique link, which the tenant sends to the landlord. A company first signs the consent form, and we send the link ourselves.
- 2Previous landlord
The landlord says who they are
Full name, AFM (tenancy in Greece), a photo of an ID, passport or driving licence (a company: the signed form is enough) and an email for clarifications. Then they rate the tenancy.
- 3RentAssured team
We check it before it counts
Our assessors compare the name, identity document and AFM with the tenancy agreement and approve or reject the reference. Only an approved reference counts towards the score and appears in the report. The document photo is deleted as soon as the check is done.
How the risk score is calculated
The report carries a number out of 100 and a risk rating. The number comes from four parameters with points, which together give up to 90 and are scaled to 100. Identification gives no points: it is a check, and the report states whether it was completed.
Score = points from the four parameters ÷ 90 × 100
Income against rent
75 pointsGross annual income as a multiple of the monthly rent. If the rent is split between several tenants, each share is measured against that tenant's income and the average is taken. The scale.
Income stability
5 pointsThe kind of income, from a pension or a permanent post to unemployment, as verified by the documents. The scale.
Payment record
5 pointsThe previous landlord's rating, from 1 to 5, of whether the rent was paid on time. With no previous-landlord reference, 0 points. What is asked.
Property care & bills
5 pointsThe average of two ratings from the previous landlord: the condition the property was left in and whether the bills were paid. With no reference, 0 points. What is asked.
Credit score
Coming soonThe state credit score will join as a fifth parameter (10 points) once it exists; the total will then be 100 with no scaling.
The income-against-rent scale
Income of 30 times the monthly rent or more earns all 75 points. Below that the points fall in a straight line — no cliff edge, no hidden weighting.
The report says “within the recommended limit” from 30 times up. Its maximum proposed rent is the annual income divided by 30.
The income stability scale
The level comes from what the tenant declares about their work and is confirmed by the documents. The assessor can correct it — e.g. for a civil servant, whom the form cannot tell apart from other employees.
Very high
Pensioner, public servant, armed forces
5 / 5High
Private-sector employee with 3+ years in the post, or on a permanent contract
4 / 5Medium
Employee with under 3 years, or on a fixed-term contract
3 / 5Low
Self-employed, internship, short-term work
2 / 5Very low
Passive income only: dividends, investments, rents
1 / 5None
Student, unemployed, unemployment benefit
0 / 5
What the previous landlord is asked
Four criteria, one to five stars each, and a free-text comment. Beside each one is the parameter it feeds.
- Paid the rent on time1–5 ★
Payment record
- Looked after the property1–5 ★
Property care & bills (average of the two)
- Communication and co-operation1–5 ★
Recorded in the report, not scored
- Paid the bills and service charges on time1–5 ★
Property care & bills (average of the two)
On the cover, an average of 4 or more reads as a positive reference, 3 or more as mixed, and below 3 as negative. With no previous landlord, both parameters score 0 and the report says so.
From a score to a verdict
Below 80, a guarantor can be added: the income-against-rent ratio and the income stability are recalculated with their details, and the report shows the score with and without the guarantor. A guarantor is not a separate scoring category.
Low risk
80–100
Without a guarantor. Rent within the recommended limit: the landlord can seek rent insurance.
Medium risk
Below 80
Without a guarantor. A guarantor can be added and income against rent worked out again.
High risk
Below 80
Even with a guarantor. The rent is outside the recommended limit: it cannot be insured.
Under assessment
No score yet
No income has been declared yet.