Let HQ

Name

Let HQ

Legal name

LetHQ Limited

Website

https://lethq.co.uk

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Wallasey

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Others

Revenue model

1. Tenant Referencing Services: Per-transaction fees for tenant referencing checks. Express references are fast credit checks completed in approximately 1 hour. Advanced references include comprehensive income verification and affordability checks, typically completed within 24-48 hours. Prices start from £160 for rent guarantee insurance with legal cover.
2. Landlord Insurance Products: Buildings insurance covering up to £1,000,000 with optional contents cover from £10,000 to £50,000. Optional rent protection cover at £2,500 per month with legal expenses. Premiums payable monthly or annually.
3. Tenant Contents Insurance: Insurance policies for tenants covering personal belongings with cover limits of £10,000 to £50,000. Includes £10,000 tenant liability cover and pet damage cover as standard. Optional extras include full accidental damage, worldwide belongings cover, and legal expenses up to £100,000.
4. Rent Guarantee Insurance: Standalone rent protection insurance covering rental income if tenants default, with eviction support services. Can be purchased separately or added to landlord buildings insurance with a discount.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

LetHQ provides UK tenant referencing checks (Express, Advanced, Guarantor and Company tiers) integrating TransUnion credit data, along with specialist property insurance products — Rent Guarantee Insurance, Landlord Insurance, Tenant's Contents Insurance — and compliance verification services including Digital Right to Rent, Digital ID and AML checks. All offerings are delivered through a self-serve digital platform, with insurance arranged through FCA-regulated partners (Paymentshield as MGA, AmTrust Specialty Limited as underwriter).

Product overview

Let HQ operates as a unified platform combining tenant screening services with insurance products. The core offering centers on tenant referencing across four tiers (Express Reference, Advanced Reference, Guarantor Reference, and Company Reference) supporting landlords, letting agents, housing associations, and tenants. This is complemented by a portfolio of insurance products including Rent Guarantee Insurance (covering up to £2,500/month rent arrears), Landlord Insurance (buildings up to £1,000,000), and Tenant's Contents Insurance (£10,000-£50,000 coverage). Supporting services include Digital ID Checks, Digital Right to Rent Checks, and AML Checks for compliance purposes. The company is ISO 27001 certified and FCA authorized.

Differentiator

Problem solved

Functional benefit

Products and services

• Advanced Tenant Reference Comprehensive in-depth tenant referencing for residential tenancies, including income verification from employers and accountants, full UK credit check, current landlord referencing, affordability calculation, bankruptcy/IVA searches and electoral roll confirmation. Recommended for professional agents and landlords needing a full picture of a prospective tenant's ability and willingness to pay.
• Express Tenant Reference Fast-track credit check powered by TransUnion for vetting prospective tenants, with full UK credit check, CCJ searches, bankruptcies, IVAs and right to rent guidance. Results delivered in as little as one hour for landlords and letting agents who need a quick credit signal.
• Guarantor Reference Tenant screening product for evaluating the suitability of prospective guarantors in residential and commercial tenancies. Combines the Advanced Reference checks with guarantor-specific income verification and affordability calculation.
• Company Reference Commercial tenancy risk assessment for landlords and agents letting to companies rather than individuals. Covers private limited companies, sole traders and partnerships, verifying income, turnover and business activities before a commercial or agricultural lease is granted.
• Rent Guarantee Insurance Specialist insurance covering landlords' rental income if tenants become unable to pay. Covers rent arrears up to £2,500 per month, up to £100,000 of legal expenses, eviction notice service and mediation costs. Underwritten by AmTrust Specialty Limited, arranged by Paymentshield.
• Landlord Insurance Specialist buildings and contents insurance for UK landlords. Buildings cover up to £1,000,000 with optional contents cover from £10,000 to £50,000. Optional add-ons include rent protection (£2,500/month), emergency cover up to £1,000 and accidental damage. Premiums payable monthly or annually.
• Tenant's Contents Insurance Contents insurance for tenants protecting personal belongings with cover limits from £10,000 to £50,000. Includes £10,000 tenant liability and pet damage cover as standard, with optional full accidental damage, worldwide belongings cover and legal expenses up to £100,000. No credit checks and no charges for monthly payments.
• Digital ID Checks Digital identity verification service for tenant screening, enabling remote confirmation of prospective tenants' identity documents online.
• Digital Right to Rent Checks Digital verification service checking a prospective tenant's right to rent in England, helping landlords meet their statutory Right to Rent obligations and maintain a statutory excuse.
• AML Checks Anti-money laundering compliance checks for tenants, guarantors and landlords as required under UK AML regulations, supporting letting agents and landlords in meeting their statutory obligations.

Quantifiable outcome

• Express tenant references completed in as little as 1 hour
• +3 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered core.

• APCS (Associated Professional Compliance Services)coreStrategic or Co-development Partner · 1 January 2016LetHQ was developed in 2016 from the automated streamlined processes of APCS. APCS is one of the largest registered UK Umbrella Bodies and provider of DBS checks, established in 2002. This parentage provides LetHQ with established infrastructure and expertise in compliance and background verification services. APCS serves over 25,000 clients globally including individuals, small businesses, and major public and private sector organizations.
• TransUnioncoreTechnology or IntegrationLetHQ's Express Tenant Reference product is powered by TransUnion, an industry-leading credit reference agency. This integration enables fast, accurate credit checks specifically designed for tenant vetting purposes, including full UK credit checks, CCJ searches, bankruptcies, and IVAs.
• Arc Legal Assistance LtdcoreOthersArc Legal Assistance Ltd manages the rent protection policy on behalf of the insurer and provides the legal helpline services. They assess claims for reasonable prospects of success and appoint advisers to handle cases. Contact: 0344 770 1044.
• AmTrust Specialty LimitedcoreOthersAmTrust Specialty Limited is the insurer providing underwriting for LetHQ's Rent Protection with Tenant Eviction cover. They are authorized by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FRN 202189).
• Legal Insurance Management LtdcoreOthersLegal Insurance Management Ltd jointly provides Rent Protection with Tenant Eviction cover alongside Arc Legal Assistance, contributing to the insurance coverage offered to landlords.
• PaymentshieldcoreChannel Partner/ Reseller/ DistributorPaymentshield arranges LetHQ's Rent Protection with Tenant Eviction Insurance policy. They are a managing general agent registered in England (company number 02728936), authorized and regulated by the FCA (FRN 312708). Paymentshield handles premium collection via Direct Debit and provides customer service for policy administration. Registered address: Southport Business Park, Wight Moss Way, Southport, PR9 4HQ.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Canopy: Canopy is a digital tenant referencing service in the UK offering credit checks, rental history, and identity verification. It competes directly with LetHQ's Express, Advanced, and digital ID referencing products.
• HomeLet: HomeLet is one of the UK's largest tenant referencing and specialist landlord insurance providers, serving letting agents and landlords. It is LetHQ's most direct head-to-head competitor in both credit-referencing and landlord insurance distribution.
• OpenRent: OpenRent is the UK's largest online letting agent, offering referencing, rent collection, and listing services. It targets the same landlord and small-letting-agent segment as LetHQ with a similarly self-serve digital experience.
• Rentguard: Rentguard provides tenant referencing and landlord/tenant insurance products in the UK. Its product mix — referencing plus specialist landlord insurance — closely mirrors LetHQ's core offering for letting agents and landlords.
• Goodlord: Goodlord is an end-to-end lettings platform offering tenant referencing, rent collection, and insurance products to letting agents. It competes with LetHQ for the same letting agent accounts and bundles similar reference and insurance workflows.
• Rent4sure: Rent4sure is a UK tenant referencing specialist offering credit checks, employer, and landlord references. It directly competes with LetHQ in the core referencing category for letting agents and landlords.

Emerging players

• CreditLadder: CreditLadder is a rent reporting and tenant referencing platform in the UK. It has meaningful overlap with LetHQ's referencing offering, with a particular focus on rental history reporting and rent payments.
• Upad: Upad is an online letting agent offering tenant find, referencing, and rent collection services. It is a smaller-scale competitor targeting the same digital-first landlord segment as LetHQ.
• Howsy: Howsy is an online letting agent and property management platform in the UK. It competes with LetHQ for landlord customers seeking managed, digital-first letting workflows including referencing.
• PayProp: PayProp is an automated rental payment and reconciliation platform used by letting agents in the UK. It sits adjacent to LetHQ's services and overlaps with the letting-agent workflow that drives LetHQ's referencing volume.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Instagraminstagram.com/lethq_uk
• Xx.com/LetHQltd
• Facebookfacebook.com/LetHQLimited
• LinkedInlinkedin.com/company/lethq

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Let HQ