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Universal Credit For Homes To Let

A London-based housing provider founded in 2020 that connects Universal Credit and lower-income tenants with landlords and local authorities through long-term leasing and no credit checks.

Last updated September 29, 2026

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Overview

Universal Credit For Homes To Let (UCFHTL) is a London-based housing provider founded in 2020. It describes itself as a regulated housing provider and a member of recognised industry bodies, positioning itself as "the UK's trusted housing solution for landlords and tenants on Universal Credit." The organisation works in partnership with local authorities and charities to deliver safe, well-managed homes, and says it is changing the standard of Universal Credit housing through professionalism, accountability, and respect. UCFHTL operates a two-sided model. For tenants, it provides safe, well-managed homes for people on Universal Credit and lower incomes, with no credit checks; prospective tenants register their details to join a housing list and are considered for suitable properties as they become available. For landlords, it offers long-term leases, reliable rent, and full property management, while delivering well-managed homes for people on Universal Credit. For local authorities and charities, it offers a long-term leasing model that supports referral pathways, reduces reliance on temporary accommodation, and provides consistent, sustainable housing provision. The company was created to help home seekers have an easy-to-use, stigma-free experience when searching for homes that are Universal Credit/DSS friendly. Its founders observed how difficult it can be to find a decent, well-maintained home that accepts benefits, and made it their mission to help stop the stigma society may have when it comes to tenants on benefits. UCFHTL designed a straightforward, easy-to-use direct site for dedicated and respectable home-seekers struggling to find a home. A distinctive feature is the Housing Vitae (HV), which registered home-seeker members can create. The HV gives an in-depth history of the home-seeker's housing history. In partnership with one of the UK's largest credit agencies, Experian, UCFHTL ensures all registered home-seeker members have gone through affordability and other vigorous checks to help assess their rental affordability and reliability, giving home-seekers a better acceptance rate with UCFHTL homes. UCFHTL delivers safe, professionally managed homes across London, providing fair access for tenants, guaranteed long-term rent for landlords, and trusted partnerships with local authorities. Its stated tagline is "Secure Housing. Built on Trust." The organisation is associated with Annmarie King.

History

Universal Credit For Homes To Let (UCFHTL) was founded in 2020. According to its own account, it was created to help home seekers have an easy-to-use, stigma-free experience when searching for homes that are Universal Credit/DSS friendly. The organisation had found how difficult it can be when trying to find a decent and well-maintained home that accepts benefits, and it decided this difficulty needed to stop. To this day, it says, helping to stop the stigma society may have when it comes to tenants on benefits has been its team's mission. The company designed a straightforward and easy-to-use direct site for dedicated and respectable home-seekers struggling to find a home. It allows all registered home-seeker members to create a Housing Vitae (HV), which gives an in-depth history of the home-seeker's housing history. In partnership with one of the UK's largest credit agencies, Experian, UCFHTL ensures all registered home-seeker members have gone through affordability and other vigorous checks to help assess their rental affordability and reliability, giving home-seekers a better acceptance rate with UCFHTL homes. Operating since 2020, UCFHTL provides long-term leases, reliable rent, and full property management for landlords, while delivering well-managed homes for people on Universal Credit. It works in partnership with local authorities and charitable organisations to deliver safe, well-managed housing for people on Universal Credit and lower incomes. Its long-term leasing model supports referral pathways, reduces reliance on temporary accommodation, and provides consistent, sustainable housing provision. UCFHTL describes itself as a regulated housing provider and a member of recognised industry bodies, with memberships and accreditations that ensure accountability, transparency, and protection for landlords, tenants, and partner organisations. It delivers safe, professionally managed homes across London, providing fair access for tenants, guaranteed long-term rent for landlords, and trusted partnerships with local authorities. The organisation is associated with Annmarie King.

  • 2020

    Universal Credit For Homes To Let is founded.

  • 2020

    The organisation begins operating, providing long-term leases and property management for landlords while housing Universal Credit tenants.

  • Partnership established with Experian to provide affordability and other checks for registered home-seeker members.

  • Housing Vitae (HV) tool introduced for registered home-seeker members.

Products and positioning

A regulated, stigma-free housing provider for Universal Credit tenants, offering landlords guaranteed long-term rent and local authorities a sustainable alternative to temporary accommodation.

  • Housing Vitae (HV)

    A tool allowing registered home-seeker members to create an in-depth history of their housing history, supported by Experian affordability and other checks.

  • Long-term leasing for landlords

    Long-term leases, reliable rent, and full property management for landlords.

  • Housing list registration for tenants

    Tenants register their details to join a housing list and be considered for suitable properties as they become available, with no credit checks.

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