As part of the referencing process, you will be asked to outline your source(s) of income. It is important that you declare each source of income you receive correctly, as it may affect the validity of your reference and your ability to use our deposit replacement scheme.
The table below outlines the forms of income that you can choose from, and what should be included in each category:
| Income source | Explanation |
| Employment salary/wages | This includes any income you receive from regular full or part-time employment. |
| Self-employment/freelance income | This includes any income you receive as a self-employed person, or from freelance jobs. This includes any income received as a Construction Industry Scheme (CIS) subcontractor. |
| Business income | This includes any income you receive from a business that you own. |
| Rental income | This includes any income you receive from renting your properties. |
| Investment returns | This includes any dividends or other regular income you receive from your investments - the value of any investments you hold should not be declared here. |
| Interest from savings | This includes any interest that you receive from your savings - the savings themselves should not be declared here. |
| Retirement fund | This includes any regular income you receive from a retirement fund. |
| Pension | This includes any regular income you receive from any other pension, including the state pension. |
| Gambling | This includes any regular income you receive from gambling, such as that from betting or casinos. |
| Money from family | This includes any regular income you receive from your family. |
| Student funding | This includes any student loans or grants that you receive. |
| Benefits | This includes any benefits or financial support you receive from the government. |
| Child maintenance | This includes any child maintenance payments you receive to cover your child’s living costs. |
| None/unemployed | You should select this option if you do not have an income. You will be given the opportunity to explain how you will afford the rent when you do so. |