Reapplying after a decline or expiry

Cooling-off rules: when you can reapply

If your application was declined:

• Same location + same co-tenants:
  You may submit a new application for the same property and same set of co-tenants once 30 days have passed from the decision date.
• New location or different co-tenants:
  You may submit a new application immediately if:
  • You’re applying for a different property/location, or
  • You’re applying with a different set of co-tenants.

If your previous Padder policy has expired (tenancy ended):

• You don’t “renew” an old policy.
• For a new lease, your new landlord may request Padder again, and you’d submit a fresh application tied to that specific lease and property.

What you can change to strengthen your application

Even though Padder can’t tell you the exact reason for a decline, you can still think in terms of material changes before reapplying for the same place with the same co-tenants.

Examples of changes that may make a difference:

• Income & employment
  • Moving from probation/contract to permanent employment
  • Higher or more stable income relative to the rent

• Savings & reserves
  • Higher balances in savings or chequing accounts
  • Stronger financial cushion compared to your monthly rent
• Household composition
  • Different mix of co-tenants (e.g., adding a higher-earning co-tenant, or re-applying with a different set of applicants at a new location)
• Rent level and property
  • Applying for a unit with lower rent may improve affordability metrics
  • Applying at a different property may change the overall risk profile

Can I request an exception or manual override from the Padder team?

Padder can’t manually override an approval decision once it’s been made by our risk models.

Why we can’t “just make an exception”

Each approval decision is made using proprietary risk models that combine:

• The details you provide in your application, and
• Hundreds of other data points used to assess risk in a consistent way.

Those models:

• Apply the same rules to every applicant, and
• Are designed so that no one at Padder can simply overturn a decline to an approval based on a personal judgment or special request.

Because of this:

• We cannot offer case-by-case “exceptions,”
• We cannot do manual overrides, and
• Our customer support team does not have the ability to change or overturn an underwriting decision.

This protects everyone—renters, landlords, and Padder—from unfair or inconsistent decision-making.

When to contact support (and what they can / can’t do)

You can contact Padder support if you:

• Aren’t sure whether you’re allowed to reapply yet based on timing or location
• Need help understanding the application steps
• Believe there may be an error in your application data (wrong building, wrong rent, wrong co-tenant list, etc.)

Support cannot:

• Tell you the specific reason your application was declined
• Manually overturn a decline
• Guarantee that a new application will be approved