Tai Teg Process

• There are different criteria for rent and purchase.
• If you meet the criteria then create an account and completed the on-line application form. Should you require assistance then please contact Tai Teg.
• Once you have completed section 1-8, please press the submit button.
• Tai Teg have 5 working days to approve or decline your application.
• If you are approved, you will be placed on the Tai Teg register.
• If we decline, you will be provided with the reason and given advice and guidance.

Appeal against a decision if declined

• If you have been declined to be placed on the Tai Teg register and you have additional information that we can consider that you have not included in your original application form, then please contact us.
• We can review our decision by asking you to re-submit your revised application for further consideration.
• If you have no additional information to provide as part of the appeal process, then the decision to refuse the application will remain.

• When you have been approved, your status will change to ‘Ready to apply’;
• From now on, you can apply for properties depending on what you have been approved for i.e., to rent /buy or both.
• You should also receive emails every Thursday with information on properties available via Tai Teg.

• Once you have applied for a property, your application will be included on a declaration of interest list and your status will change to ‘Applied for’.
• We will not create a shortlist for the property until the closing date. We reserve the right to bring forward the closing date if a sufficient number of applicants have applied.
• After the property application period has closed, we will create a shortlist taking your Tai Teg approval date/affordability/family size and local connection into consideration. Shortlists will be completed within 5/6 working days from the property closing date, depending on workload.
• We will use the formula noted below to calculate that the housing cost equates to no more than approximately 30% of your income.
• Households must be able to afford the housing costs (‘rent’ inclusive of any service charges) and these should equate to no more than approximately 30% of your income e.g. £25,000 x 30% = £7,500 / 12 (months) £625pcm
• Depending on the number of properties available for the specific advert i.e 4 x 2 bed properties, we may have to re-open the application if we don’t have sufficient applications.
• Once the shortlist is in place, we will invite the applicants in line with the shortlist to submit documents 3 months before the property is ready, to allow us to complete a comprehensive financial assessment.
• Please note that it is your responsibility to make sure the details on your application form are correct at the time of applying for a property as it may affect your place on the shortlist. If your details need amending, please be sure to let us know before the property closing date. Details updated after the shortlist is created will not be considered.

• All documents must be uploaded via your Tai Teg account.
• You will be given a deadline to upload your documents.
• If you are unable to make this deadline for a specific reason, then please contact the team, otherwise you will be placed back on ‘Ready to apply’ status, and will not be considered for the property
• We require all the documents listed below. We will be unable to proceed with your application if all the documents have not been submitted.
• Please name the documents before uploading as this makes it easier for us to identify i.e., Bank statement March 2020 / Payslips April 2020
• If you have more than one bank account, then please upload 3 months statements for all of the accounts.
• If you have any loans/credit cards and/or store cards you must provide the documentation.
• When uploading statements, we ask, when possible, that you firstly download them via your online banking account and then upload that file to your Tai Teg account.

Main Applicant & Joint Applicant

• 3 months of full recent bank statement (all accounts that you have)
• 3 months recent pay slips
• Proof of any other income
• Proof of deposit (savings, ISA, Bonds & Shares)
• Proof of I.D. (Passport/Birth Certificate/Driving License Card)
• Proof of residency (Utility bills/bank statements/electoral roll)
• P60
• Bank Loans (If applicable)
• Credit cards (If applicable)
• Store Cards (If applicable)
• Confirmation of decision in principle on a mortgage showing maximum amount available to you (only if purchasing a property)
• Child care charges (If applicable)

If self-employed, the following will be required in addition to the above : -

• SA302 certificate for the last 3 years

Failure to provide the required documentation by the specified date may result in us moving on to the next applicant on the shortlist.

• Once all of your documents have been submitted, your application will be allocated to a member of staff.
• The member of staff will then complete the financial assessment based on the evidence you provide. We will check your income against the eligibility criteria for the specific scheme.
• This should take between 1-2 days providing you have submitted all the information as requested.
• We may need to contact you during this process to clarify any issues or ask for further information.
• Ensuring your documents are referenced and in order does make it easier for the officer to assess.

• Once the officer has assessed your application, it will be sent to the manager to be verified.
• If the manager agrees with the assessment, then it will be forward to the landlord for consideration.
• The landlord must approve your application before you are formally offered the property.
• We will send you a link to a satisfaction questionnaire as receiving feedback on the process is very important to us.
• Once the landlord accepts the application for the property, we will close your account on Tai Teg and delete all documents.
• Your main point of contact from now on will be your landlord.

• Following the financial assessment and if you do not have sufficient disposable income at the end of the month then your application may be declined for this specific property by Tai Teg.
• We will discuss this with you and we will review our decision if you have further information or evidence to support your application;
• If your application is sent to the landlord and they decline, e.g., following reference from landlord/credit checks then they will also make contact with you to discuss the reason and they will inform Tai Teg of their decision.
• Your application will be placed back on ready to apply as another suitable/affordable property may come available.
• All documents uploaded will be deleted from your account.

Appeal against a decision :-

• If you have been declined and you have additional information that we can consider then please contact us.
• We can review our decision by asking you to submit the additional information that you may have.
• If you have no additional information to provide as part of the appeal process then the decision to refuse the application will remain.

• An automated email will be sent out to applicants that have not logged in to their account for 28 days asking them to log in and review their details.
• A second automated email will be sent one month from first email as a reminder to log in to your account.
• If applicants have not logged in within 2 months after receiving reminders, then their application will be deleted, and they will no longer be included on the Tai Teg register.
• Should you want to re-apply, then you must create a new account and complete the on-line application. Your original approval date will not be considered.

Please note: As noted in section 8 of the Tai Teg application form, should it be discovered that you have provided incorrect information, then Tai Teg have the right to close your application.