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Scottish Letting Day 2019 - 4D Cinema

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Scottish Letting Day 2019 - 4D Cinema

  1. 1. Scottish Letting Day 2019 Conference and exhibition 12 November 2019 Sponsors: Scottish Letting Day 4D Cinema sessions
  2. 2. Scottish Letting Day John Blackwood introduction video Sponsors: Scottish Letting Day
  3. 3. Taster training for letting agents – meaningful CPD Elspeth Boyle, Landlord Accreditation Scotland Scottish Letting Day Scottish Letting Day 2019
  4. 4. The Letting Agent Compliance Programme It’s a numbers game Promoting best practice in the private rented sector
  5. 5. The Code quiz starter for 10 overarching standards of practice – how many? 13 unlucky? How many letting agent cases have been heard on breaches of overarching standards? 37 Promoting best practice in the private rented sector
  6. 6. The numbers game which standard is the one that landlords claim has been breached most? 17 you must be honest open, transparent and fair in your dealings with landlords and tenants (including prospective and former landlords and tenants). Closely followed by ….. Promoting best practice in the private rented sector
  7. 7. 21 and 26 you must carry out the services you provide to landlords or tenants using reasonable care and skill and in a timely way you must respond to enquiries and complaints within reasonable timescales and in line with your written agreement Promoting best practice in the private rented sector
  8. 8. On a positive note which paragraphs of Section 2 have been brought to the tribunal least? 22 23 24 28 Promoting best practice in the private rented sector
  9. 9. 22 you must not unlawfully discriminate against a landlord, tenant or prospective tenant on the basis of their age, disability, sex, gender reassignment, marriage or civil partnership, pregnancy or maternity, race religion or belief or sexual orientation Promoting best practice in the private rented sector 23 to ensure all staff and any subcontracting agents are aware of, and comply with the Code and your legal requirements on the letting or residential property
  10. 10. 25 you must ensure you handle all private information sensitively and in line with legal requirements Promoting best practice in the private rented sector 28 you must not communicate with landlords or tenant in any way that is abusive intimidating or threatening
  11. 11. How many written procedures are required? Scottish Government states there is a minimum of 9 Promoting best practice in the private rented sector
  12. 12. Promoting best practice in the private rented sector
  13. 13. Keeping things in proportion how many letting agents have applied to the register so far? 938* approved? 700 approximately* what about the rest? Scottish Government are still “determining” the remaining applications therefore approximately 4% of agents have had to answer to a claim of a breach of the LACP in the first year. Promoting best practice in the private rented sector
  14. 14. The Letting Agent Compliance Programme (LACP) Promoting best practice in the private rented sector Continuing professional development (CPD) is a commitment to continually update skills and knowledge in order to remain professionally competent. The Scottish Government requires lettings agents to undertake 20 hours of CPD over three years. This programme ensures that agents can meet that requirement by undertaking relevant, detailed workshops based on the Letting Agent Code of Practice Course 1 2 3 4 5 Code Section 1 & 2 3 4 5 & 6 8 Who should attend? Principals, Managing Directors, Director of Lettings Letting/Sales team, Valuers, Listers Negotiators Property Managers/adminis trators Maintenance Team Accounts/Finance Team Learning aims and outcomes Overarching standards of practice, recruitment and L&D Understanding terms of business Letting property, starting and ending tenancy processes Tenancy management Client money and insurance CPD Hours 2.5 2.5 2.5 3 2
  15. 15. Why send agency staff to LACP? back to 23 to ensure all staff and any subcontracting agents are aware of, and comply with the Code and your legal requirements on the letting or residential property case where member of staff entered a property without tenant consent Promoting best practice in the private rented sector
  16. 16. Promoting best practice in the private rented sector Extract from FtT determination 2019 The Tribunal made the following Letting Agent Enforcement Orders: 1. The respondent shall within 21 days lodge with the Tribunal and copy to the applicant: a. written procedures and processes for exercising entry to properties; b. full details of the training provided to staff regarding the exercise of entry to let properties by whom and to whom; and c. the respondents letting agent registrations 1. The respondent shall within 21 days pay to the applicant a sum of £1,200 by way of compensation for the unlawful exercise of entry on 22 May 2019 and the anxiety and distress occasioned to the applicant and her family.
  17. 17. Promoting best practice in the private rented sector
  18. 18. Booking a place the Letting Agent Compliance programme runs from end of January 2020 can be done in any order or as a stand alone course can be booked as a block for a discounted rate will run across the country CPD will be logged by LAS speak to the LAS team today for priority booking Promoting best practice in the private rented sector
  19. 19. www.landlordaccrediationscotland.comwww.landlordaccreditationscotland.com
  20. 20. Scotland and finally
  21. 21. Sessions now available to attend Scottish Letting Day 4D Cinema (current room): Informing research to shape the future of private renting Biosphere Blue: Understanding the private residential tenancy Ozone: Demystifying legionella & A year in the life of a tenancy deposit scheme Showdome: Top tips from a self-made property investor Biosphere Green: Tribunal know how for letting agents Salisbury Suite: The role of the CMA in regulating letting agents
  22. 22. Informing research to shape the future of private renting Anna Evans, Indigo House Scottish Letting Day Scottish Letting Day 2019
  23. 23. Understanding the impact of the Scottish private tenancy regime
  24. 24. Where has this come from? • Nationwide Foundation is an independent charity • Vision “everyone in the UK to have access to a decent home that they can afford” • Interested in promoting PRS where • landlords are able to provide a high quality service • tenants are better able to access and sustain tenancies • tenants have robust rights which are enforced
  25. 25. To find out what? • What is the impact of the Private Residential Tenancy? • - impact of the First-tier Tribunal • - impact for tenants and landlords • - impact of wider changes – welfare, tax at UK level
  26. 26. To find out what? • tenants’ and landlords’ awareness of the PRT • what changes have tenants and landlords experienced? • what about security of tenure (perceived and actual)? • access to justice • affordability for tenants • are there any unintended consequences? • taking lessons learned wider across the UK
  27. 27. A balanced approach TenantsLandlords Wider stakeholders
  28. 28. Our approach over three years Surveys – year 1 and 3 • 2,000 face to face tenant household interviews • 500 online landlord surveys In-depth interviews – year 1, 2, 3 • 120 tenant interviews • 90 interviews/focus groups with landlords • 20 interviews with other stakeholders
  29. 29. When? Year 1 – 2019/20 Surveys – now Interviews – spring 2020 Interim report – summer 2020 Year 2 – 2021 In-depth interviews – spring 2021 Interim report – summer 2020 Year 3 - 2021-2022 Similar to year 1 Final report – summer 2020
  30. 30. Dissemination
  31. 31. Please have your say!! Go online https://is.gd/nationwide_ls Survey team here today to help SAL and CLA is also distributing
  32. 32. Sessions now available to attend Scottish Letting Day 4D Cinema (current room): A guide to completing your tax return Biosphere Blue: Unwrapping the energy performance certificate Ozone: Changing the referencing process forever (Vouch) & What’s next? (PayProp) Showdome: Working positively with Universal Credit Biosphere Green: Letting question time Salisbury Suite: Preventing HR headaches
  33. 33. A guide to completing your tax return Jackie Fraser, Chiene + Tait Scottish Letting Day Scottish Letting Day 2019
  34. 34. Letting Day Conference 2019 C+T2
  35. 35. Letting Day Conference 2019 The tax return Jackie Fraser Partner
  36. 36. Letting Day Conference 2019
  37. 37. Letting Day Conference 2019
  38. 38. Letting Day Conference 2019 Scottish Letting Day 2019 | Let’s take it step-by-step Firstly, some guidance is on-hand… https://www.gov.uk/government/publications/self-assessment-uk-property-sa105
  39. 39. Letting Day Conference 2019 Deadlines • HMRC must receive your tax return by: • paper – 31 October 2019 (or 3 months after the date of the tax return notice) • online – by 31 January 2020 (or 3 months after the date of the tax return notice) • late return - £100 penalty • more than 3 months late – daily £10 penalty • charged interest Scottish Letting Day 2019 | Let’s take it step-by-step
  40. 40. Letting Day Conference 2019 The extra tax returns Scottish Letting Day 2019 | Let’s take it step-by-step
  41. 41. Letting Day Conference 2019 The extra tax returns: two most common Scottish Letting Day 2019 | Let’s take it step-by-step
  42. 42. Letting Day Conference 2019 Cash basis, or accruals? Scottish Letting Day 2019 | First, decide…
  43. 43. Letting Day Conference 2019 In detail… Scottish Letting Day 2019 | Let’s take it step-by-step
  44. 44. Letting Day Conference 2019 In detail… Scottish Letting Day 2019 | Let’s take it step-by-step
  45. 45. Letting Day Conference 2019 In detail… Scottish Letting Day 2019 | Let’s take it step-by-step
  46. 46. Letting Day Conference 2019 In detail… Scottish Letting Day 2019 | Let’s take it step-by-step
  47. 47. Letting Day Conference 2019 In detail… Scottish Letting Day 2019 | Let’s take it step-by-step
  48. 48. Letting Day Conference 2019 In detail… Scottish Letting Day 2019 | Let’s take it step-by-step
  49. 49. Letting Day Conference 2019 Payment • due date – 31 January, following end of tax year • payments on account due 31 January during tax year and 31 July, following tax year • online banking, telephone banking, bank or building society, cheque • through PAYE tax code – providing tax of less than £3,000 Scottish Letting Day 2019 | Let’s take it step-by-step
  50. 50. Letting Day Conference 2019 Losses Scottish Letting Day 2019 | How to handle losses
  51. 51. Letting Day Conference 2019 Complications Scottish Letting Day 2019 | What to watch out for
  52. 52. Letting Day Conference 2019 Questions? Scottish Letting Day 2019 | Questions
  53. 53. Scottish Letting Day 2019 Lunch is now served in the Stratosphere area Programme resumes 13.15pm Please visit our exhibitors’ stands Scottish Letting Day Sponsors:
  54. 54. Scottish Letting Day Conference and exhibition 12 November 2019 Sponsors: Scottish Letting Day Tweet #LettingDay
  55. 55. Top tips from a self-made property investor Kirsty Leonard, Leonard Property Group Scottish Letting Day Scottish Letting Day 2019
  56. 56. KIRSTY LEONAR D Property Investor & Coach www.leonardpropertygroup.co.uk @kirsty_leonard_property
  57. 57. WHO AM I? Self-made full time property investor, developer & business owner Property & Business Coach
  58. 58. MY JOURNEY ➤ First property Dec 2014 ➤ 2015 - Flip ➤ 2015/16 – Education & first BTL’s ➤ 17/19 - Legacy Mentor ➤ Now: ➤ Own a multi-million £ property portfolio ➤ Raise creative funding ➤ Private Coach ➤ Source property to others
  59. 59. MY PORTFOLI0 ➤ Scotland & N. England ➤ BTL ➤ Social Housing ➤ HMO’s ➤ Flips ➤ Conversions/develo pments ➤ Comm to Resi ➤ Sell off plan ➤ Asset stripping
  60. 60. MY TOP 10 Top tips for success in property market Future of investing in Scotland
  61. 61. WHAT DO I BUY? • Distressed property • Add value • Leave as little £ in as possible • Be the best – standard & value
  62. 62. END PRODUCT – BE THE BEST
  63. 63. TIP 1 – GET RICH SLOWLY ➤ Property is no longer a ‘hobby’ investment ➤ Property is dangerous if you consider it get rich quick ➤ Impatience & inexperience leads to bad deals & bad decisions
  64. 64. FIRST BTL CASHFLOW £242 PCM
  65. 65. FIRST HMO CASHFLOW £893 PCM
  66. 66. COMPOUNDING • BENEFIT OF LEVERAGE • BENEFIT OF TIME • BENEFIT OF EXPERIENCE • BENEFIT OF EDUCATION
  67. 67. TIP 2 STRATEGY FIRST, NOT PROPERTY FIRST ➤ Property is a business – Business only works with a plan ➤ Understand WHY you are buying property – What is it doing for you? ➤ Do you understand your goals? Personal & Business ➤ Your goals will dictate the appropriate strategy for you ➤ E.G. Passive income vs. Large cash sums ➤ Timeline? ➤ Cost out your ‘dream life’ and work backwards ➤ WRITE YOUR GOALS DOWN
  68. 68. TIP 3 BUY TO DEMAND ➤ Understand your geographical investment area ➤ Who is your end user / what are they looking for? ➤ Who is your competition and what are they providing? ➤ What prices are being achieved and how quickly? ➤ What do you need to do to meet that demand? ➤ Always be re-checking demand and keep abreast of market changes
  69. 69. TIP 4 – UNDERSTAND YOUR NUMBERS ➤ Monthly Operating Expenses (MOE) ➤ Understand your mortgage options ➤ Profit margin calculations ➤ Cost of money (COM) ➤ Return on investment (ROI) ➤ Understand your costs and work backwards to a purchase price that works for you
  70. 70. RENOVATION COSTS ➤ Educate yourself ➤ Work with your builder ➤ Work with quotes not estimates ➤ Take responsibility of understanding
  71. 71. TIP 5 – HAVE A POSITIVE DEBT MINDSET ➤ Debt is your friend ➤ What is your debt mindset – challenge it ➤ Leverage in property & business is everything ➤ Leverage: ➤ Other people’s experience ➤ Other people’s knowledge ➤ Other people’s money (OPM)
  72. 72. DEBT MINDSET - LEVERAGE ➤ Understand your Cost of Money (leverage) vs earning potential ➤ Use OPM – it will get you much further, much faster ➤ OPM allows growth beyond your savings account ➤ Mortgage leverage (institutional OPM) – Comfortable ➤ Private finance (e.g. Angel investors) – Get comfortable ➤ Do you treat taking money from private individuals differently from institutional money?
  73. 73. TIP 6 – PREPARE FOR THE STORM ➤ Treat property as a business ➤ Must understand the market fluctuations ➤ There is a strategy for every market – a fall in one sees a rise in another ➤ Invest understanding this, and have exit strategies ready ➤ Stress test – we do deals with contingencies & test at higher interest rates ➤ Low interest rates & favourable terms won’t last forever
  74. 74. WE BUY FOR INCOME NOW ➤ Don’t invest speculatively ➤ Ensure your investment will perform despite market changes
  75. 75. TIP 7 – UNDERSTAND LEGISLATION ➤Knowledge is power ➤ Clause 24 ➤ Ltd company purchases & access to lenders ➤ LBTT changes (stamp duty) ➤ 6 month mortgage refinance ‘rule’ ➤ Interest rate changes ➤ PRA – Mortgage regulation changes ➤ Increasing tenant rights e.g. PRT ➤ Homeless legislation requirements – Changes demand
  76. 76. TIP 8 – GROW & TAKE RISKS (IN TIME)
  77. 77. TIP 9 – FOCUS ON YOU ➤ Property world can be a strange place – people competing for attention ➤ Always present the honest you – don’t be afraid to ask for help ➤ Go against the masses ➤ Don’t compete with others, focus on you ➤ But, do model yourself on someone who is where you want to be
  78. 78. TIP 10 – DON’T BE A LONE RANGER ➤ Your network = your net worth ➤ Law of averages - your income is the average of the top 5 people you spend time with - Jim Rhon ➤ Pay your advisors well – Robert Kyosaki ➤ Comes back to leverage: ➤ Use other people’s knowledge ➤ Use other people’s experience ➤ Learn from other people’s mistakes..!
  79. 79. BUY WELL
  80. 80. Educate yourself Use OPM – We offer 10% p.a. return Use other people’s knowledge Use other people’s experience Learn from other people’s mistakes Work alongside people who are better than you WORK SMART, NOT HARD
  81. 81. TURN INTO… INCOME NOW
  82. 82. PAYS FOR YOUR GOALS..
  83. 83. WWW.LEONARDPROPERTYGRO UP.CO.UK COACHING PROPERTY DEALS PROJECT MANAGEMENT RETURN ON PRIVATE FUNDS KIRSTY@LEONARDPROPERTYG ROUP.CO.UK Instagram @kirsty_leonard_property
  84. 84. Sessions now available to attend Scottish Letting Day 4D Cinema (current room): How to survive rent controls and the buy to let backlash Biosphere Blue: A guide to completing your tax return Ozone: Support towards meeting minimum energy efficiency standards & Freeing up time for landlords and letting agents Showdome: Understanding the private residential tenancy Biosphere Green: Property insurance – The top secrets to ensure that you have the correct cover in place Salisbury Suite: Preventing HR headaches
  85. 85. How to survive rent controls and the buy to let backlash Kate Faulkner, Designs on Property Scottish Letting Day Scottish Letting Day 2019
  86. 86. How to survive rent controls and the BTL backlash Kate Faulkner BSc(Econ) MBA CIM DipM
  87. 87. With landlords and letting agents feeling like they are under attack from all sides My job: to outline self-defence strategies with the aim to encourage everyone working in this essential sector to grow their businesses and profit in the face of adversity.
  88. 88. In Scotland: PRS grown at the expense of social housing, not home ownership? file:///C:/Users/Kate/Downloads/00539838%20(1).pdf
  89. 89. My view: PRS has grown MOSTLY due to government policies • education, education, education
  90. 90. Migrant workers need to rent
  91. 91. Growth of the ‘gig economy’ PRECARIOUS employment and the so-called “gig economy” will underpin Scotland’s stalling growth in the coming years, the Government’s independent forecaster has said The SFC previously forecast GDP would grow below 1 per cent a year to 2022 – suggesting a period of “exceptionally weak growth” not witnessed in six decades, according to economists. https://www.heraldscotland.com/news/15891088.gig-economy-underpins-scotlands-weak-growth-independent-forecaster-says/
  92. 92. Key question no-ones asking: why aren’t government and companies paying people enough to put a roof over their head?
  93. 93. For four years in the last 13 real pay fell
  94. 94. Impact of recessions on home ownership
  95. 95. Recessions drive renting vs owning https://www2.gov.scot/Topics/Statistics/Browse/Housing-Regeneration/HSfS/KeyInfoTables
  96. 96. Highest and lowest H/O vs PRS vs social housing Estimated stock of dwellings by tenure and local authority: 2018 Percentage Percentage Percentage Percentage Scotland 59 14 11 12 East Renfrewshire 84 3 4 8 East Dunbartonshire 79 8 4 8 Aberdeenshire 70 10 4 11 South Lanarkshire 68 9 5 16 South Ayrshire 67 11 4 15 Moray 57 19 5 13 Edinburgh, City of 56 25 7 8 Shetland Islands 50 6 22 15 Glasgow City 45 19 34 - Dundee City 45 23 11 17 Privately owned dwellings 1 Socially rented dwellings 2 Owner occupied Rented privately or with a job/busines From housing association s 4 From local authorities, New Towns, Scottish Homes
  97. 97. Reality: policy can’t stop the natural growth in demand for the PRS
  98. 98. Scotland needs private landlords and letting agents
  99. 99. Should you fear or welcome rent controls?
  100. 100. Affordability myths https://www.gov.scot/publications/scotlands-people-annual-report-results-2018-scottish-household-survey/
  101. 101. How much would rents have risen under the ‘rent control’ deal?
  102. 102. Rent cap will be at least consumer price index (CPI) plus 1%
  103. 103. Rental growth in England: Social vs PRS In the social rented sector, average rent increased from £71 in 2008-09 to £94 per week in 2013-14 Controlled rent: increase of 32% Average private rents increased from £153 to £176. Uncontrolled rent: increase of 15% Inflation rose by: 19% Wages rose by: 12% https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/469213/English_Housing_Survey_Headline_Report_2013-14.pdf https://www.ons.gov.uk/employmentandlabourmarket/peopleinwork/employmentandemployeetypes/bulletins/averageweeklyearningsingreatbritain/october2019
  104. 104. From April 2016 In England, the Welfare Reform and Work Act 2016 has required social landlords to reduce their rents by 1% each year for four years (the ‘social rent reduction’). This applies to both social rent and affordable rent properties. The social rent reduction is designed to help put welfare spending on a more sustainable footing and ensure that the social housing sector plays its part in helping to reduce the deficit.
  105. 105. Zoopla rental index • from 2007 to 2018 rents have risen by 18% – average annual rise of: 1.52% – £486 to £574 • 2007 to 2018 inflation has risen by 2.9% per year • at 3.9% average rents would be £740 per month – 29% more than current average rents https://www.bankofengland.co.uk/monetary-policy/inflation/inflation-calculator
  106. 106. Government: the cap can last for up to five years and will apply to existing tenants who have a private residential tenancy. https://www.scottishhousingnews.com/article/rise-of-generation-rent-as-average-length-of-rental-tenancies-increase
  107. 107. How do landlords and agents survive?
  108. 108. Consumers need: good, independent property advice our ‘consumption’ of property has changed dramatically.
  109. 109. Renovate or build; inherit Let out a spare room; Airbnb Buy a holiday home; release equity, BofM&D Retirement or care home, move in with kids/they move in with you Live at home Rent a room Rent a whole property with friend/partner ‘Boomerang home/rent again Buy first home: SO/RTB/SH/H2B/ Sell 1st home & trade up or buy 2nd home, let the 1st Stay 1st home, BTL; split up, buy 2 smaller homes; move into social housing How we consume property is changing
  110. 110. Landlord’s survival kit • pick which tenant to target: carefully – will increase in social home building affect demand? • pick the location: carefully – which properties are in short supply now • and in the future? • ensure the property is the best value in the best condition – Or in a unique location • carry out repairs quickly • keep hold of good tenants Create a financial plan, review it regularly
  111. 111. Agents survival How to put a roof over your community’s heads
  112. 112. House price growth slowed since 2005
  113. 113. UK finance stats for FTBs
  114. 114. Individual property prices are key 3% increase per annum 1.5% increase per annum
  115. 115. Compare the REAL cost of renting vs buying in your area Scotland Buying Renting +/- £7,050 £1,100 £5,950 £10,709.60 £11,465.00 -£755 London Buying Renting +/- £24,900 £2,093 £22,807 £24,913.16 £20,205.00 £4,708 North East Buying Renting +/- £6,650 £996 £5,654 £10,220.00 £10,565.00 -£345
  116. 116. Renovate or build; inherit Let out a spare room; Airbnb Buy a holiday home; release equity, BofM&D Retirement or care home, move in with kids/they move in with you Live at home Rent a room Rent a whole property with friend/partner ‘Boomerang home/rent again Buy first home: SO/RTB/SH/H2B/ Sell 1st home & trade up or buy 2nd home, let the 1st Stay 1st home, BTL; split up, buy 2 smaller homes; move into social housing How we consume property is changing
  117. 117. What advice can you give? How can you use this to grow your business?
  118. 118. Scottish Letting Day 2019 Refreshments are served in the Stratosphere area Programme resumes 15.15pm Please visit our exhibitors’ stands Scottish Letting Day Sponsors:
  119. 119. Scottish Letting Day Conference and exhibition 12 November 2019 Sponsors: Scottish Letting Day Tweet #LettingDay
  120. 120. What the future holds for letting in Scotland John Blackwood, Scottish Association of Landlords Scottish Letting Day Scottish Letting Day 2019
  121. 121. What the future holds for letting in Scotland John Blackwood Chief Executive
  122. 122. What should we expect? growing PRS to meet the demand ageing population focus on affordability and quality demand for energy efficient homes common housing standard flextenure!
  123. 123. The Scottish Government has a vision a well functioning housing system high quality sustainable homes sustainable communities homes that meet people’s needs
  124. 124. Our response well managed homes well maintained homes sustainable for all
  125. 125. SAL’s purpose: Leading, supporting and improving the management of rented homes Connect – keeping members and the sector connected Unite – to be one voice for landlords and letting agents Strengthen – growing membership
  126. 126. Nationwide Foundation Survey Please have your say!! Go online https://is.gd/nationwide_ls Survey team here today to help 16.05 -16.45 Anna Evans, Indigo House (Showdome)
  127. 127. Contact us: Scottish Association of Landlords (SAL) tel: 0131 564 0100 email: policy@scottishlandlords.com www.scottishlandlords.com twitter: @scotlandlord
  128. 128. Sessions now available to attend Scottish Letting Day 4D Cinema (current room): Working positively with Universal Credit Biosphere Blue: Taster training for letting agents – meaningful CPD Showdome: Informing research to shape the future of private renting Biosphere Green: The role of the CMA in regulating letting agents Salisbury Suite: Digital first impressions: How do you measure up on LinkedIn?
  129. 129. Understanding Universal Credit John Blackwood, SAL Scottish Letting Day Scottish Letting Day 2019
  130. 130. d she will establish contact for you and make sure you have the relevant escalation routes for your area. Understanding Universal Credit Visit the landlord section on this website which gives more information about Universal Credit. Click on the landlord box, for landlord videos and top tips: www.understandinguniversalcredit.gov.uk For help with individual cases and to find your local partnership manager please email: louise.cook1@dwp.gov.uk
  131. 131. d she will establish contact for you and make sure you have the relevant escalation routes for your area. Understanding Universal Credit View Universal Credit video: https://youtu.be/t1I_MKT-KGg
  132. 132. d she will establish contact for you and make sure you have the relevant escalation routes for your area. Understanding Universal Credit Visit the landlord section on this website which gives more information about Universal Credit. Click on the landlord box, for landlord videos and top tips: www.understandinguniversalcredit.gov.uk For help with individual cases and to find your local partnership manager please email: louise.cook1@dwp.gov.uk
  133. 133. Scottish Letting Day 2019 Thank you for coming See you next year Sponsors: Scottish Letting Day

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