Homeppl

Most tenant referencing is built around a single question — can this person afford the rent — and treats a clean answer as the end of the process. Homeppl is built around a second question sitting underneath it: is the application itself genuine. Rental fraud, including fabricated payslips and impersonated identities, is the problem it leads with rather than treats as a side effect of standard checks.

What It Does

• Fraud detection: a battery of checks (the company describes over 150) covering document tampering, behavioural signals, and data enrichment
• Affordability: Open Banking data used to assess financial capacity beyond a stated income figure
• Verification: identity checks and Right to Rent compliance
• Credit: CCJs, bankruptcy and insolvency checks
• History: rental history validation and landlord reference checks
• Integration: CRM and API connections, including with Reapit

Position

Homeppl is a London-based, independently funded company — it raised €2.1 million in 2020 to build out this approach — rather than a division of a larger referencing or insurance group, which distinguishes it from HomeLet’s insurance-led model and Goodlord’s workflow-platform model in the same broad market.

Its stated approval rates (95%+) and turnaround times (same-day to 24 hours) are supplier-reported figures rather than independently verified, and are presented here as such: the fraud-detection framing is the more useful distinguishing fact, since it targets a failure mode — a convincing but fabricated application — that a standard credit-and-income check does not.