The Rental Exchange

"The Rental Exchange tackles the financial, digital and social exclusion faced by social housing tenants and has the potential to benefit 3.4 million tenants across the UK." - John Montague, Managing Director

The Rental Exchange

We believe that everyone should be treated equally, no matter if you are a tenant or a homeowner.

We partnered with Experian and created The Rental Exchange to help tackle the challenges faced by rental tenants in the UK. Our initiative aims to tackle the financial, digital and even social exclusion challenges that rental tenants often face compared to homeowners. By observing rental payment data in the same way that we view mortgage payment data, we can unlock a range of benefits for tenants, housing providers and credit providers.

The Rental Exchange will incorporate a tenant’s payment history in their credit file with no cost to either the housing provider or tenant.  It gives tenants an ‘online’ proof of identity, so they can build a positive credit history. It will help when applying for goods or services and can help towards increasing access to mainstream credit.

This initiative helps Local Authorities, Housing Associations and ALMOs to support financial inclusion and help tenants to access affordable credit and services.  It benefits credit providers by allowing them to make accurate, fair and informed decisions when evaluating new and existing customers for credit purposes and finally, it will help private landlords and letting agents to encourage on-time rental payments from tenants, whilst offering them the facility to build their credit file.

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