Tai Teg Process

• There are different criteria for rent and purchase.
• If you meet the criteria then please completed application form on our website. Should you require assistance then please contact Tai Teg.
• Once you start completing the form you must complete all questions and submit for consideration as the form does not save. Closing the form down will result in you having to re-start the application form from the start. Tai Teg | Ffurflen Gais
• Once you have completed and submitted the application form, Tai teg will consider the information provided and 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 within 5 working days. If no contact is made then your application will be deleted off the system.
• If you have no additional information to provide as part of the appeal process, then the decision to refuse the application will remain.
• If your circumstance change then you will have to complete a new application to be considered.

• 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.
• It will be up to you to look for suitable properties through our website or social media.

• If you are approved to be on the Tai Teg register then you can apply for a property using the link on the property advert and you must note your registration number or registration date on the form.
• Please Note:- The link should not be completed if your application has not been approved by Tai Teg.
• Once you have applied for a property, your application will be included on a declaration of interest list.
• 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 14 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 submitted using wetransfer/egress or sent by email. Please check the terms & conditions of these services.
• Please note when submitting documents that internet communications are not secure and we are not responsible for any abuse by third parties, nor for any alteration, corruption in transmission, nor for any damage or loss caused by any virus or other defect. Suggested method of sending documents would be via encrypted email / egress and We transfer and it is the responsibility of the applicant to ensure they are using a secure system to send documents.
• You will need to ensure that you submit your documents by the deadline set out in the email.
• 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. and remember to name the documents.
• 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 - We will require a copy of your Council Tax letter (other additional information :- 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.
• 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 submitted will be deleted from your account.

Appeal against a decision :-

• If you have been declined for a property and you have additional information that we can consider then please contact us within 1 working day from the date we declined.
• 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.
• If no contact is made we will proceed to the next applicant on the shortlist and the decision will remain.

• Applicants are emailed annually asking them to confirm if their details are correct as if they are to remain on the Tai Teg register.
• If applicants do not respond to the email message , then the application will be deleted from 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 the application form, should it be discovered that you have provided incorrect information, then Tai Teg have the right to close your application.