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A very sad reality exists in todays rental market. Many people have started to learn the hard way that not everyone is as trustworthy as they may seem. There have been multiple occurrences of rental fraud in the GTA market and todays renters need to protect themselves from falling victim to such scams.

Most renters don’t realize that working with a Realtor will cost you nothing, much the same as if you were buying a home.  The commission to your Realtor is paid by the Landlord and you receive the benefit of having someone protect your best interests, for FREE!

Ready to begin your search? Here are some items your Realtor will require from you in order to secure you the best lease possible!

1. Employment Letters

In order for the landlord to ensure that you have a stable income and can afford to service your debts, a letter from your Employer is usually requested.  An employment letter will provide the landlord with information like your salary, position and length of employment with the company.  The person providing the letter can also be used as a reference. Most companies are used to providing such letters and should be aware of what content to provide.

2. Credit Check

A credit check is necessary for so many things we do today – signing up for a new credit card, financing a car and yes, renting a home as well.  Your credit scores and report can tell a landlord a lot about the type of renter you will be.  Most Landlords will look for a minimum score of 650+ but even a score in the 600’s can sometimes be of concern.  The higher your score, the better chances you have of securing your ideal rental.  The exception to this would be for those with no credit history in Canada, which is not uncommon for new immigrants.  In this case, though a Landlord can not ask for a larger deposit, it is common practice for larger deposits to be offered by the Renter.  This method can also be used by those with low credit scores to offer the Landlord some security and peace of mind.  You can purchase your credit report through Equifax Canada or from your Realtor.

3. Rental Deposit

Once you are able to secure a rental it will be expected that you produce a deposit to cover your first & last months rent.  This deposit will be due within 24 hours of finalizing your rental agreement via certified cheque or bank draft, a personal cheque will not be accepted.  This deposit is non-negotiable so make sure you account for it before you begin your search!

 If you are ready to begin your search for a rental, Contact me.

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