---
title: What are the affordability requirements?
description: Understand Morro’s affordability requirements, including the 27 times monthly rent threshold and when a guarantor may be needed.
---
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1. [Morro Knowledge Base](https://help.bymorro.com/?hsLang=en-gb)
2. [Application process](https://help.bymorro.com/application-process?hsLang=en-gb)
3. [Affordability criteria](https://help.bymorro.com/application-process?hsLang=en-gb#affordability-criteria)
# What are the affordability requirements?
Morro’s standard affordability threshold is a gross annual income of at least **27 times the monthly rent**.
For example, if the monthly rent is £1,600, you would usually need a gross annual income of at least £43,200. This helps confirm that the home is affordable before your tenancy moves forward.
Affordability is assessed during referencing, which is carried out by **Homeppl**, Morro’s third-party referencing provider. They will review your income documents and compare them with the rent for the home you have applied for.
Students are exempt from this income requirement and are assessed differently.
If you do not meet the standard affordability threshold, you may still be able to apply with a guarantor. The guarantor will need to meet their own affordability requirements and complete referencing.
If you are unsure whether your income meets the criteria, or your income is variable or self-employed, contact the Morro team before applying so they can guide you through your options.
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