Hi Izzy, As explained in branch, our referencing process includes an affordability check, which requires an income of at least 2.5 times the monthly rent in order to proceed. You mentioned you had a guarantor, and for them to meet the referencing requirements, they would need an income of at least 3 times the rent. Unfortunately, this criteria wasn’t met, which resulted in the referencing being unsuccessful. Ultimately, it is the landlord’s decision whether to accept an applicant with a guarantor. In this case, the landlord has confirmed they would only like to proceed with applicants who are able to pass referencing independently, without the need for a guarantor. For that reason, we weren’t able to move forward with your application on this occasion.