Top Reasons Why Tenants Don’t Qualify for Husmus – And What You Can Do Next
We know it’s disappointing to hear that you didn’t qualify for Husmus. But before you get too discouraged, it’s important to understand the reasons behind the decision, so you can take steps to improve your chances for next time. We're here to help because renting a home should feel empowering, not frustrating.
In this post, we’ll explore the most common reasons tenants don't qualify for Husmus and what actions you can take to improve your situation moving forward.
1. No or Limited History of Rent Payments
When you haven’t had the chance to build a solid rent payment history, it can make it difficult for any rental platform, including Husmus, to assess whether you’ll be a reliable tenant. While this is common for first-time renters or those who’ve had irregular living arrangements, it's something that can be worked on.
What can you do?
Provide rent payment information: If you didn’t provide it, next time connect the bank account from which you pay your rent.
Build rental history slowly. If you’ve never rented before, regular payment of other bills can sometimes help demonstrate your reliability.
2. Frequent Late Payments
If you’ve had issues with paying rent on time in the past, this can raise red flags. Late payments can indicate financial instability or challenges with managing bills.
What can you do?
Work on financial planning. Building a budget and using tools or apps to track your income and expenses can help prevent late payments. Money saving expert have excellent tips.
Provide an explanation. Life happens, and sometimes there are understandable reasons for late payments, such as sudden unemployment or medical emergencies. If this applies to you, offering transparency can help landlords see that you’re addressing these issues.
3. No Verifiable Income
One of the most important factors in qualifying for a rental is proving that you have a stable and verifiable income. If you don’t have evidence of your income, whether you're self-employed or in between jobs, it can create a barrier.
What can you do?
Gather income proof. Connect your bank account that shows your income. Even if you're self-employed we consider all income types, including savings and benefits.
Consider state benefits. Check out what state benefits you are entitled to online or via your local council.
4. Looking to Rent a Home That’s Outside Your Budget
One of the most common reasons tenants don’t qualify is that the rent of the property they’re applying for is higher than what their current income level can reasonably support. Landlords want to make sure their tenants can comfortably afford rent without risking financial strain.
What can you do?
Reassess your budget. A general rule of thumb is that rent should not exceed 30-40% of your monthly income. Look at your current income and expenses to see if a smaller or more affordable property might be more realistic.
Consider alternative locations. Renting in a slightly more affordable neighbourhood or opting for a smaller space could make a big difference in your monthly budget.
5. Frequent Risky Financial Behaviour
Excessive gambling, frequent payday loans, or other risky financial behaviour can signal instability to landlords. It may suggest that a tenant could struggle to keep up with rent payments.
What can you do?
Get help with financial management. If gambling or reliance on payday loans is an issue, consider seeking support from financial advisors, debt counsellors, or community organizations that specialize in budgeting and debt management. Citizens advice is a great resource
What’s Next?
If you’ve been turned down by Husmus, it doesn’t mean you’re out of options. It’s an opportunity to take a step back, reassess, and work towards improving your rental application. Here’s how you can get started:
Identify your weak spots. Take a look at the reasons you were turned down and focus on those areas. Whether it’s building a rental history, managing finances better, or seeking advice on credit, small improvements can make a big difference.
Seek advice. Don’t hesitate to reach out for help. There are organizations and financial advisors available to support you in managing your money, building credit, and finding a home within your budget.
Stay positive. Renting a home can sometimes feel overwhelming, but it’s important to stay hopeful. The changes you make now will not only help you qualify for your next rental but will also set you up for long-term success.
At Husmus, we believe everyone deserves a safe, affordable place to call home. Our goal is to be your partner in that journey—whether you’re renting now or working towards that goal in the future. So, take heart, make a plan, and know that with each step, you’re getting closer to securing the perfect home for you.