Stop waiting 5 days for tenant references.
myChecksAI runs your Right to Rent, AML, employment and landlord reference checks in hours, not days — starting with a WhatsApp. Tenants complete on whichever channel suits them: WhatsApp, SMS or email. No chasing. No juggling providers. No subscription.
For letting agents
Manage your portfolio
Set up in 5 minutes. WhatsApp + dashboard.
Start on WhatsApp
AI-powered for speed. Human oversight for confidence. How it works →
No subscription
2025 AML compliant
Results in hours
Run from your phone
// The problem
Referencing is broken. Tenants lose interest. Agents lose the let.
Before myChecksAI
The referencing treadmill.
- Day 1Tenant gets a portal link. Opens later, maybe.
- Day 240-field form. They bounce halfway through.
- Day 3Employer emailed. Radio silence.
- Day 5Prior landlord unreachable. You keep chasing.
- Day 7Payslips partial. Request the rest.
- Day 10+Tenant has taken another property.
With myChecksAI
One message. Five checks. Done.
- 00:00You WhatsApp us the tenant's details.
- 00:01Tenant invited to complete — WhatsApp, SMS or email.
- 00:05Yoti ID + selfie. Right to Rent verified.
- 00:06Open Banking income check. No payslips.
- 00:45Our AI chases employer & landlord — politely.
- Same dayCompliance-ready PDF delivered to your inbox.
6h 12m
Avg. turnaround
98%
Tenant start rate
£39
Per reference
1,400+
Lets secured
// How it works
From one message to full reference — in three moves.
You kick off on WhatsApp (or the dashboard). Tenants verify on whichever channel they prefer. We do the chasing. Results land back on your phone.
01 · You
Kick off with a WhatsApp — or the dashboard.
Between viewings. On the train. From a property. Just the tenant's name, email and mobile — no portal, no specialist software.
Under 60 seconds
02 · Tenant
Y
Yoti-secured
Tenant verifies ID on a secure Yoti link.
They receive the link via WhatsApp, SMS or email — whichever channel they respond on — scan their document, take a liveness selfie. Right to Rent logged against GOV.UK records.
GOV.UK
Biometric
GDPR
03 · AI + humans
We screen, chase and reference — then report back.
AML & PEPs screening, employer & landlord outreach, Open Banking income check. Each step pings WhatsApp as it completes. Human reviewer signs off the final report.
Hours, not days
// Live product
Watch a reference happen in real time.
No waiting for an email three days later. Every check pings you the moment it completes — on your preferred channel. Track live progress on your reference status page, no login needed.
Live timeline
Each of 5 checks completes independently — no bottleneck on slow employers.
Live pings, not inbox noise
WhatsApp, SMS or email — the moment status changes. No spam folder. No 2am emails.
Human sign-off
AI does the heavy lifting, a compliance officer reviews the final report before it's released.
LIVE · Ref #MCA-2401
Sarah Thompson
42 Park Lane, SW4 · Started 09:12 today
3/5
Checks complete
ETA: under 4 hours60%
Right to Rent Verified
Passport matched · liveness passed · GOV.UK check
09:18
AML & PEPs screening Clear
Sanctions, PEPs, insolvency, adverse media — no hits
09:19
Income verification £3,840/mo
Open Banking consent · 3.2× rent affordability
10:42
4
Employment reference In progress
Emailed HR at Monzo · chased 2× · awaiting reply
11:04
5
Prior landlord reference
Starts once employment is confirmed
—
// What's included
Every check your compliance file needs. In one bundle.
No add-on surprises. No "starter plans" missing the important bits. Every reference includes every check.
Right to Rent
UK Law · Mandatory
Digital ID via Yoti, liveness match, GOV.UK DCS validation. Passport, UK/EU licence, BRP accepted. Audited certificate for your file.
AML & PEPs
MLR 2017 · Mandatory
UK/EU/UN sanctions, PEPs (global), adverse media and insolvency register. Audit-grade logs stored 7 years.
Income verification
Open Banking
FCA-regulated read-only bank connection. Verifies 90-day income and calculates rent affordability automatically.
Employment reference
AI-chased
Verified company-domain email, role & start-date confirmation. AI chases politely until we have an answer — or a formal "no reply".
Prior landlord reference
AI-chased
Payment history, condition at checkout, willingness to re-let. Structured responses — no essay required from landlords.
// WhatsApp, not email
The messages your tenants actually open.
Every touchpoint is a WhatsApp Business template — approved by Meta, sent from our verified number. Tenants open them in seconds; you stay informed without lifting a finger.
98% WhatsApp open rate
vs. ~20% for email.
Verified business sender
Tenants see the green tick, not "unknown number".
Native WhatsApp Flows
Tap buttons — no typing, no friction.
MC
myChecksAI
Business
tenant_invite
Hi Sarah 👋James from Foxtons Clapham has started a reference for 42 Park Lane, SW4.
To complete the checks we need to verify your identity — it takes about 3 minutes and everything stays private.
Start verification
Sent to: the tenant · Trigger: you kick off a reference
MC
myChecksAI
Business
progress_update
✅ AML & PEPs — clear✅ Right to Rent — verified
⏳ Employer reply pending (chased 2x)
⏳ Prior landlord contacted
Sarah Thompson · 42 Park Lane
Sent to: you · Trigger: any check completes
MC
myChecksAI
Business
income_request
The last piece: income verification.Instead of asking for 3 months of payslips, you can securely connect your bank (read-only, FCA-regulated Open Banking). Takes 45 seconds.
Connect bank
Sent to: the tenant · Trigger: agent enables income add-on
MC
myChecksAI
Business
report_ready
🎉 All checks completeSarah Thompson — passed 5 of 5.
Your compliance report is ready. PDF emailed to you — full detail on the dashboard.
Open in dashboard
Sent to: you · Trigger: final sign-off complete
// Pricing
Pay per reference. No subscription.
Credits never expire. Volume discounts auto-applied at checkout.
One-off
£39/ref
Perfect for landlords. Order a single reference — no account, no subscription.
Order a reference
All 5 checks included
WhatsApp progress updates
Compliance-ready PDF
7-year audit storage
Branded reports
Bulk CSV import
Most popular
Agency
£29.99/ref
For agents doing 10+ references a month. Everything in One-off, plus the team stuff.
Start on WhatsApp
10-pack credits — £299.99
Branded PDF reports
Bulk CSV import
Team dashboard · unlimited seats
Priority human review
Email + WhatsApp support
Enterprise
Custom
For branches & build-to-rent. Bespoke SLAs and integrations.
Talk to sales
Volume pricing from £19.99/ref
SSO & audit logs
CRM integrations (Reapit, Alto, Acaboom)
White-label option
Named compliance officer
99.9% uptime SLA
All prices ex. VAT · Pay by card, Direct Debit or invoice · Credits don't expire
// The side-by-side
How we compare to the usual suspects.
Traditional referencing firms. In-house admin. Check-it-yourself. Here's how myChecksAI stacks up on the things that actually cost you the let.
What mattersNine things agents ask us about
myChecksAIWhatsApp-native · AI + human
Traditional firmsGoodlord, Canopy, Homeppl, etc.
In-houseYou & your lettings team
Time to completeFrom kick-off to signed report
Same dayAvg. 4h 12m
7–14 daysChasing by email
1–3 weeksDepends on bandwidth
How tenants startWhere they respond, if at all
Their choiceWhatsApp · SMS · email
Email + portal20% open · 40% drop
Paper + emailUp to you
Right to RentGOV.UK DCS-verified, share code
Yoti-powered, included
Add-on fee+£5–£15 per check
ManualYour liability
AML & PEPs screeningMandatory from May 2025
LexisNexis · automatic
Separate productDifferent vendor, extra fee
Not realistic
Open Banking incomeFCA-regulated, 90-day view
45-second check
Payslips instead
Not possible
Employer & landlord chasingWho does the follow-up?
AI-chasedPolite, persistent, 24/7
You do itOr the tenant does
You do itBy hand
Human compliance sign-offQualified reviewer before release
On every report
VariesRead the small print
Your riskYou sign it off
Subscription requiredLock-in, minimum volumes
NonePay per reference
Usually12-month contracts
—N/A
Per reference
£30–£39Fixed. No tiers. No upsells.
£25–£60+Before add-ons
£0 + hoursPlus your time & risk
“
We used to lose one let a week because the reference dragged on. With myChecksAI we're signing tenancies the same afternoon the tenant applies. Our conversion is up 31%.
JF
James Foxton
Lettings Director · Foxtons Clapham
// The deliverable
A report your compliance team already trusts.
One-page verdict, every check sourced, human-signed. MLR 2017 compliant. Stored for 7 years. Shareable as a link or downloadable as PDF.
Pass / Refer / Fail verdict with reasoning
Affordability calculation vs rent
Every source linked & timestamped
Named compliance officer sign-off
REFERENCE #MCA-2401 · COMPLIANCE REPORT
Sarah Thompson
42 Park Lane, SW4 · Foxtons Clapham
ISSUED 14 NOV 2025 · 14:08
REF ID #MCA-2401
VALID UNTIL 14 FEB 2026
ID VERIFIED
Yes
AML / PEPs
Clear
AFFORDABILITY
3.2×
REFS
2 / 2
Income verification
3.2× affordability
Average monthly net
£3,840
Open Banking · Monzo
90-day window
90-day window
1.0×2.0×2.5×3.0×3.5×
Rent £1,200/mo · exceeds 2.5× threshold.
VERIFIED CHECKS
Right to RentYoti · share code
Identity & selfieBiometric match
AML & sanctionsLexisNexis · clear
Employer referenceVerified · 2h 14m
Prior landlordVerified · 3h 42m
Alex Mendez, Compliance Officer
Signed off at 14:08 · MLR 2017 compliant
Signed off at 14:08 · MLR 2017 compliant
// FAQ
Questions, answered.
Still got a query? Ask us on WhatsApp — we usually reply in under 10 minutes during office hours.
Is this legally compliant for UK lettings?
Yes. myChecksAI performs digital Right to Rent checks via Yoti (IDSP certified by the Home Office) and AML screening that satisfies the Money Laundering Regulations 2017 (as amended May 2025). Every report carries a named human sign-off and an audit log stored for 7 years.
What if the tenant doesn't use WhatsApp?
No problem. We're WhatsApp-first, not WhatsApp-only. The invite goes to the channels the tenant opts into — WhatsApp, SMS and email — and they can complete on any of them. The verification flow is identical either way.
How does WhatsApp opt-in and the 24-hour window work?
We use Meta-approved WhatsApp Business API templates for the first contact, with clear opt-in language. Inside Meta's 24-hour conversation window the tenant can reply freely; outside it, we re-open the conversation only with another approved template. Tenants can opt out at any time by replying STOP — and we'll switch them to SMS or email automatically, with no loss of progress.
What happens if a check fails or flags?
A human compliance officer reviews every "refer" outcome (PEPs hit, affordability under 2.5×, incomplete reference). You get a clear "pass / refer / fail" verdict with the underlying reason, not just a score — so you can make an informed decision.
How does the tenant's Open Banking consent work?
It's read-only, FCA-regulated (via GoCardless Open Banking), and 100% tenant-initiated from their own phone. The consent expires automatically after the 90-day window. We never see account credentials and can't move money — we just verify income.
What if an employer refuses to respond?
Our AI chases professionally 3 times over 48 hours. If no reply, you get a flagged "unverified" status with options: accept payslips, accountant letter, or decline the reference. The report notes which path was taken.
How do credits and billing work?
Pay-as-you-go — single references at £39, 10-packs at £299.99, volume discounts from 50+. Credits never expire. Invoice or card on each order, or monthly statements for Agency & Enterprise.
Can I white-label this for my agency?
Yes — available on Enterprise. Your logo on the PDF, your domain on tenant-facing links, and your brand on the WhatsApp, SMS and email templates (WhatsApp templates subject to Meta approval).
// What our users say
Landlords and agents, who stopped waiting.
Real feedback from UK property professionals who switched to myChecksAI.
SJ
Sarah J.
Senior Letting Agent, Manchester★★★★★
"Used to wait 4 days for references. Now I get everything back same day. The AML and PEPs checks are included which saves me buying them separately — game changer for our agency."
MT
Mark T.
Private Landlord, London★★★★★
"As a private landlord with four properties, the pay-per-check model is perfect. No monthly subscription for four tenancies a year. Fast, simple, and the report looks professional."
LP
Lisa P.
Letting Agency Owner, Bristol★★★★★
"Running 30+ checks a month and the bundle pricing saves us a lot. Everything in one place — Right to Rent, AML, references. We don't miss juggling multiple providers at all."
DW
David W.
Portfolio Landlord, Birmingham★★★★★
"Brilliant. The PDF report is clean and professional — my letting agent was impressed. I run checks on every new tenant and this is by far the quickest way to do it."
RK
Raj K.
Property Manager, Birmingham★★★★★
"The new 2025 AML requirements were stressing me out. myChecksAI handles it all automatically — PEPs, sanctions, everything. Now I just run the check and move on."
JH
James H.
Estate Agent, Leeds★★★★★
"We switched from a competitor and haven't looked back. Tenants are in properties faster and landlords are happier. Really well built product. Highly recommend."
CR
Claire R.
Letting Agent, Edinburgh★★★★★
"The compliance piece is what sold it for me. I know the regulations changed in May 2025 and myChecksAI just handles it — I don't have to think about it."
PO
Paul O.
Independent Landlord, Cardiff★★★★★
"Simple, fast and no subscription. Right to Rent and AML done the same day I sent the invite. Couldn't believe how easy it was."
AC
Anna C.
Portfolio Landlord, Edinburgh★★★★★
"Clean reports, fast results, no fuss. I've recommended myChecksAI to every landlord in my network. The AI really does make referencing feel effortless."
TN
Tom N.
Block Manager, London★★★★★
"Managing multiple blocks means running a lot of checks. The only platform that does Right to Rent, AML and references all in one place without a monthly contract. Massive time saver."
NB
Natalie B.
Letting Agent, Manchester★★★★★
"Our previous provider took 5 days. myChecksAI gets it done in hours. The landlords we work with have noticed the difference and it's made us look great."
GS
Gary S.
HMO Landlord, Nottingham★★★★★
"With HMOs I need to check every single tenant. Pay-per-check with no subscription is exactly the right model. The AML and PEPs check is a bonus — keeps everything above board."
// START REFERENCING
Reference your next tenant in the next 60 seconds.
No subscription. No minimum volumes. Start however works for you.
MLR 2017 compliant
Same-day turnaround
No subscription
