--- title: How to refer a tenant and complete the lease file description: "The operator workflow for Padder: refer the tenant, Padder confirms lease details, tenant pays, then save the policy confirmation and send us the signed lease." image: https://help.padder.com/hubfs/Partner_Brand_Centre/Padder_Link_Preview_1200x630.png --- [Skip to content](https://help.padder.com/rent-and-deposit-coverage/operator-process-referrals-and-lease-file-completion#main-content) [![Padder Logo](https://help.padder.com/hs-fs/hubfs/Padder%20Logo.png?width=250&height=72&name=Padder%20Logo.png)](https://help.padder.com) - [Help Centre](https://help.padder.com/) - [Claims Centre](https://resources.padder.com/claims) - [Contact support](https://resources.padder.com/support) Open main navigation Close main navigation - [Help Centre](https://help.padder.com/) - [Claims Centre](https://resources.padder.com/claims) - [Contact support](https://resources.padder.com/support) Search the Help Centre - There are no suggestions because the search field is empty. 1. [Padder Help Centre](https://help.padder.com/) 2. [Residential Operator](https://help.padder.com/residential-operator) 3. [Getting Started & Referrals](https://help.padder.com/residential-operator#getting-started-referrals) September 19, 2026 # How to refer a tenant and complete the lease file ## Use the steps below to complete referrals cleanly and ensure Padder can finalize the lease file. ### Padder Guarantor referral process (step by step) 1. Screen as normal and determine that the tenant needs a guarantor. 2. Offer Padder Guarantor as an option, never a requirement. Send the tenant to [resources.padder.com/renters](https://resources.padder.com/renters). 3. The tenant completes the application (documents may be requested). 4. Padder completes underwriting and emails the leasing team to confirm lease details and recommend a coverage level (3, 6 or 12 months). 5. If approved and proceeding, the tenant signs the agreements and pays the one-time premium. **Leaseholder handling (Guarantor)** - One shared lease: all named tenants apply. - Individual leases: only the tenant(s) needing a guarantor apply. - Additional leaseholders apply through the invite sent after the primary applicant submits. They should not start a separate application. ### Padder Deposit referral process (step by step) Use this workflow when Padder Deposit is accepted at the property. 1. Approve the tenant for the lease, or confirm they are approvable. 2. Offer Padder Deposit as an option, never a requirement. 3. The tenant completes the Deposit application. A standalone Padder Deposit application needs no documents and is approved instantly. 4. If approved and purchased, do not collect last month's rent. ### Closing the loop (required for both products) After the tenant secures Padder Guarantor or Padder Deposit: 1. Padder provides a copy of the policy to the tenant and the leasing team. 2. Save the policy confirmation with the executed lease. 3. Send the executed lease to [underwriting@padder.com](mailto:underwriting@padder.com) once the tenant signs after securing the policy. **What to save in your lease file (minimum)** - Policy confirmation or policy documents - Executed lease (final) - Any endorsement or lease detail correction, if applicable To follow applicants in progress, see [Using the Padder Weekly Snapshot email](https://app.hubspot.com/weekly-snapshot-email). ### Need help? Policy, coverage and claim questions: [underwriting@padder.com](mailto:underwriting@padder.com). Portal or account: [support@padder.com](mailto:support@padder.com). Phone: +1 (289) 536-7111, Monday to Friday, 9:00 AM to 5:00 PM ET. Claims Centre: [resources.padder.com/claims](https://resources.padder.com/claims). - [Residential Tenant](https://help.padder.com/residential-tenant#main-content) - [Start Here: About Padder & Your Options](https://help.padder.com/residential-tenant#start-here-about-padder-your-options) - [Padder Credit Builder](https://help.padder.com/residential-tenant#padder-credit-builder) - [Eligibility: Who Padder Is For](https://help.padder.com/residential-tenant#eligibility-who-padder-is-for) - [Coverage & Limits: What’s Protected](https://help.padder.com/residential-tenant#coverage-limits-whats-protected) - [Pricing, Payment & Refunds](https://help.padder.com/residential-tenant#pricing-payment-refunds) - [Applying to Padder: How the Process Works](https://help.padder.com/residential-tenant#applying-to-padder-how-the-process-works) - [Troubleshooting Your Application](https://help.padder.com/residential-tenant#troubleshooting-your-application) - [Your Responsibilities & the Indemnity Agreement](https://help.padder.com/residential-tenant#your-responsibilities-the-indemnity-agreement) - [Managing Your Policy: Changes, Transfers & Reapplying](https://help.padder.com/residential-tenant#managing-your-policy-changes-transfers-reapplying) - [Trust, Safety & Support](https://help.padder.com/residential-tenant#trust-safety-support) - [Frequently Asked Questions](https://help.padder.com/residential-tenant#frequently-asked-questions) - [Residential Operator](https://help.padder.com/residential-operator#main-content) - [Getting Started & Referrals](https://help.padder.com/residential-operator#getting-started-referrals) - [Coverage & Claims](https://help.padder.com/residential-operator#coverage-claims) - [Frequently Asked Questions](https://help.padder.com/residential-operator#frequently-asked-questions) - [Terms of use](https://padder.com/terms-of-use/) - [Privacy Policy](https://padder.com/privacy-policy/) - [Privacy Statement](https://resources.padder.com/privacy-statement) - [Disclosure Statement](https://resources.padder.com/disclosure-statement) - [Regulatory Disclosures](https://resources.padder.com/regulatory-disclosures) - [CISRO Conduct Sheet](https://www.cisro-ocra.com/Documents/View/2471) - [Broker Fact Sheet](https://www.ribo.com/wp-content/uploads/2025/01/RIBO_Conduct_Sheet_040622-fact_sheet-1.pdf) - [Contact us](https://resources.padder.com/support) [![Padder Logo](https://help.padder.com/hs-fs/hubfs/Padder%20Logo.png?width=180&height=52&name=Padder%20Logo.png "Padder Logo")](https://www.padder.com) Padder Underwriting Inc. is a licensed insurance broker headquartered in Toronto, Ontario. It arranges coverage for tenants and landlords in provinces where it is licensed to offer insurance products. Padder partners with licensed Canadian insurers to provide your coverage. Need help? Paddie, our AI chat, is here any time. Our team is on email and phone Monday to Friday, 9am to 5pm ET. © 2026 Padder Underwriting Inc. All rights reserved.