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Scottish Letting Day 2019 - Biosphere Blue

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  • DOWNLOAD THIS BOOKS INTO AVAILABLE FORMAT (2019 Update) ......................................................................................................................... ......................................................................................................................... Download Full PDF EBOOK here { https://soo.gd/irt2 } ......................................................................................................................... Download Full EPUB Ebook here { https://soo.gd/irt2 } ......................................................................................................................... Download Full doc Ebook here { https://soo.gd/irt2 } ......................................................................................................................... Download PDF EBOOK here { https://soo.gd/irt2 } ......................................................................................................................... Download EPUB Ebook here { https://soo.gd/irt2 } ......................................................................................................................... Download doc Ebook here { https://soo.gd/irt2 } ......................................................................................................................... ......................................................................................................................... ................................................................................................................................... eBook is an electronic version of a traditional print book THIS can be read by using a personal computer or by using an eBook reader. (An eBook reader can be a software application for use on a computer such as Microsoft's free Reader application, or a book-sized computer THIS is used solely as a reading device such as Nuvomedia's Rocket eBook.) Users can purchase an eBook on diskette or CD, but the most popular method of getting an eBook is to purchase a downloadable file of the eBook (or other reading material) from a Web site (such as Barnes and Noble) to be read from the user's computer or reading device. Generally, an eBook can be downloaded in five minutes or less ......................................................................................................................... .............. Browse by Genre Available eBooks .............................................................................................................................. Art, Biography, Business, Chick Lit, Children's, Christian, Classics, Comics, Contemporary, Cookbooks, Manga, Memoir, Music, Mystery, Non Fiction, Paranormal, Philosophy, Poetry, Psychology, Religion, Romance, Science, Science Fiction, Self Help, Suspense, Spirituality, Sports, Thriller, Travel, Young Adult, Crime, Ebooks, Fantasy, Fiction, Graphic Novels, Historical Fiction, History, Horror, Humor And Comedy, ......................................................................................................................... ......................................................................................................................... .....BEST SELLER FOR EBOOK RECOMMEND............................................................. ......................................................................................................................... Blowout: Corrupted Democracy, Rogue State Russia, and the Richest, Most Destructive Industry on Earth,-- The Ride of a Lifetime: Lessons Learned from 15 Years as CEO of the Walt Disney Company,-- Call Sign Chaos: Learning to Lead,-- StrengthsFinder 2.0,-- Stillness Is the Key,-- She Said: Breaking the Sexual Harassment Story THIS Helped Ignite a Movement,-- Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones,-- Everything Is Figureoutable,-- What It Takes: Lessons in the Pursuit of Excellence,-- Rich Dad Poor Dad: What the Rich Teach Their Kids About Money THIS the Poor and Middle Class Do Not!,-- The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness,-- Shut Up and Listen!: Hard Business Truths THIS Will Help You Succeed, ......................................................................................................................... .........................................................................................................................
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Scottish Letting Day 2019 - Biosphere Blue

  1. 1. Scottish Letting Day 2019 Conference and exhibition 12 November 2019 Sponsors: Scottish Letting Day Biosphere Blue sessions
  2. 2. Scottish Letting Day John Blackwood introduction video Sponsors: Scottish Letting Day
  3. 3. Succession planning for landlords Fiona Watson, Paris Steele Scottish Letting Day Scottish Letting Day 2019
  4. 4. Succession planning for landlords Fiona Watson Paris Steele 12 November 2019
  5. 5. Overview • what would happen to your properties if you were unable to manage them? i.e. illness, incapacity or death • Powers of Attorney (lifetime) • wills (after death) • registration considerations
  6. 6. Powers of Attorney • adults with Incapacity (Scotland) Act 2000 – general principals • granted in lifetime • Nominated Attorney(s) • Continuing Attorney (financial) and Welfare Attorney • registration with Office of the Public Guardian (Scotland) • can revoke and vary
  7. 7. Continuing Attorney Financial powers, can include: - access to information - dealing with bank accounts and paying bills - exchange, sell or lease property - administer and manage property - tax returns - commence, run, sell or wind up any business - borrow or lend money
  8. 8. If you don’t have a PoA in place and you lose capacity: • no-one else has authority to manage your properties/business • “next of kin” has no legal authority • bills go unpaid? • leases can’t be entered into/terminated • can’t service notice on tenant in breach • property owned by company - Incapacity of Company Director • application to court for Guardianship Order
  9. 9. Wills • sets out the division of your estate following death • appointment of executor(s) to administer your estate • how is title to jointly owned property held? i.e. survivorship destination • use of Trusts • review regularly • divorce/separation/cohabitation • lifetime gifting
  10. 10. Intestate estates • where deceased leaves no will • Succession (Scotland) Act 1965 • prior rights and legal rights • your estate may end up being divided in a way you wouldn’t intend • do not assume everything will just go to your spouse!
  11. 11. Registration • Landlord registration: - an attorney managing property for a family member under a PoA must register with the local authority as an agent - executor doesn’t need to register in first 6 months. If property still held after 6 months, registration will be required. • Letting agent registration: - if managing property for a family member under a PoA, the attorney doesn’t need to register as a letting agent with the Scottish Ministers - if managing properties and not under the terms of a PoA, and is receiving payment for doing so, they could be caught under the letting agent rules.
  12. 12. Fiona Watson fwatson@parissteele.com
  13. 13. Sessions now available to attend Scottish Letting Day Biosphere Blue (current room): Understanding the private residential tenancy Biosphere Green: Tribunal know how for letting agents Ozone: Demystifying legionella & A year in the life of a tenancy deposit scheme Showdome: Top tips from a self-made property investor 4D Cinema: Informing research to shape the future of private renting Salisbury Suite: The role of the CMA in regulating letting agents
  14. 14. Understanding the private residential tenancy Gail Bowden, SAL Scottish Letting Day Scottish Letting Day 2019
  15. 15. Gail Bowden SAL Understanding the Private Residential Tenancy
  16. 16. Agenda Making the most of - The Private Residential Tenancy (PRT) agreement video • creating a PRT • managing a PRT
  17. 17. The Private Residential Tenancy model agreement
  18. 18. Private Residential Tenancy 1 December 2017 View PRT video: https://youtu.be/9ei61J6okCI
  19. 19. Meaning of Private Residential Tenancy A tenancy is a PRT where— a. the tenancy is one under which a property is let to an individual (“the tenant”) as a separate dwelling b. the tenant occupies the property (or any part of it) as the tenant’s only or principal home, and c. the tenancy is not one which schedule 1 states cannot be a private residential tenancy. Your tenant will have the protections of a PRT, even if you give them a tenancy agreement for any other type of tenancy.
  20. 20. Create the Private Residential Tenancy
  21. 21. Mandatory terms -the core rights and obligations, which includes, among other things, the statutory terms applicable to all private residential tenancies, the repairing standard and tenancy deposits. They are 'mandatory clauses' which must feature in any agreement prepared using this model. These terms are laid down in the Act, supporting secondary legislation and other relevant housing legislation and are indicated in bold typeface.
  22. 22. Discretionary terms - which the landlord may or may not wish to include in the written tenancy agreement. These are in ordinary typeface. The model tenancy agreement contains a number of suggested terms which the landlord may edit or remove as required. This category will also include any additional terms the landlord chooses to add. Any additional terms added or edited by the landlord must comply with the requirements of the Act, supporting secondary legislation and other relevant legislation.
  23. 23. Additional terms
  24. 24. Signing the Private Residential Tenancy Agreement
  25. 25. Managing the Private Residential Tenancy
  26. 26. Scottish Government guidance • Your tenant can only give you notice to leave once they have started to live in the let property. Your tenant's notice has to be given 'freely and without coercion'. This means you must not have pressured or persuaded your tenant into leaving. • You and your tenant can agree a different notice period. But this must be in writing and can only be done once the tenant has started to live in the let property. A tenant's agreement to change the notice period must be given 'freely and without coercion'. If you insert a longer notice period into the tenancy agreement before the tenant is living in the let property, the notice period will be invalid and the 28 day notice period will apply.
  27. 27. Rent increases • if you want to increase the amount of rent your tenant pays you, you have to give at least three months' written notice before you can do it • you must use the correct form to give your tenant notice of a rent increase — a Landlord’s Rent- Increase Notice to Tenants • you can only increase the rent once in a year (you have to wait 12 months before it can be increased again).
  28. 28. Ending the agreement Tenant to landlord – 28 days Landlord to tenant (no tenant breach) • 28 days (if tenant has occupied for 6 months or less) • 84 days (if tenant has occupied for more than 6 months) Landlord to tenant (tenant breach) - 28 days
  29. 29. Ending the agreement 8 mandatory grounds • landlord intends to sell • property to be sold by lender • landlord intends to refurbish • landlord intends to live in property • landlord intends to use for non-residential purpose • property required for religious purpose • tenant not occupying let property • tenant has relevant conviction
  30. 30. Ending the agreement 8 discretionary grounds • family member intends to live in property • tenant no longer in need of supported accommodation • breach of tenancy agreement • anti-social behaviour • association with person who has relevant conviction or engaged in relevant anti-social behaviour • landlord has ceased to be registered • HMO licence has been revoked • overcrowding statutory notice served on landlord
  31. 31. Ending the agreement 2 mixed grounds • rent arrears (mandatory if tenant owed rent for 3 or more consecutive months and owes at least 1 months’ rent at start of day on which tribunal first considers case) • not an employee (mandatory if apply for eviction order within 12 months of employment ceasing)
  32. 32. Evidence examples • rent arrears – rent statement • anti-social behaviour – breach letters, witness statements, reports from police/local authority ASB team • selling - estate agent letter, solicitor letter • moving back in - confirmation of new job, , affidavit • refurbishment – planning permission, contract with builder
  33. 33. Ending the agreement – rent arrears Our advice on this has now changed following the recent Upper Tribunal decision that a Notice To Leave issued before tenants have owed some rent for 3 months is invalid - • advice is not to issue NTL until tenant has owed some rent for 3 months • so if rent in arrears since 26 July we now advise NTL can’t be issued until 26 October (3 months from 26 July)
  34. 34. Wrongful termination • if landlord misleads tribunal into awarding eviction order OR • tenant was misled into leaving property without eviction order • Tribunal can award wrongful termination order requiring landlord to pay tenant up to 6 months’ rent. Could also jeopardise landlord registration status.
  35. 35. Easy to read notes • these notes explain all of the different parts of the tenancy agreement • each part of your agreement is numbered, and you will be able to look for the same numbers in these notes to find information about each part.
  36. 36. Easy to read notes Let’s look at some helpful clauses…
  37. 37. 17. Reasonable care The tenant agrees to take reasonable care of the let property and any common parts, and in particular agrees to take all reasonable steps to: • ensure the let property and its fixtures and fittings are kept clean during the tenancy
  38. 38. 20. Access for repairs, inspections and valuations Reasonable access, for non-emergency work, would generally mean access during the working day (8 a.m. to 6 p.m.) Monday to Friday. Remember • the landlord does not have the right to enter the property without the consent of the tenant • the landlord can use the Right of Entry process via the Housing & Property Chamber, First- tier Tribunal
  39. 39. 24. Ending the agreement - joint tenancies • if the agreement is a joint tenancy then all of the joint tenants have to agree to the ending of the agreement • one joint tenant cannot end the agreement on behalf of all tenants • any notice from the tenant to end the tenancy would have to be signed by all of the joint tenants.
  40. 40. 24. Joint tenancies continued If a joint tenant wants to end the tenancy by sending notice to the landlord by email then this would be done either: • by each of the people who are joint tenants sending their own email to the landlord, all saying that the tenancy is to end on the same date or • by each of the joint tenants signing a paper copy notice to the landlord and then one of those joint tenants scanning or taking a photo of that signed paper copy notice and attaching it to an email and emailing it to the landlord, on behalf of all of the joint tenants.
  41. 41. 38. Guarantors • the guarantor (if any) agrees to meet the full demands of the tenancy, on the tenant's behalf, if the tenant does not comply with those rules • joint residential tenancies have joint and several liability and so the guarantor is guaranteeing all the joint tenants and not just one particular tenant • the guarantor's liability continues after the tenancy ends - to cover any duties breached during the tenancy where the costs are still due to be paid.
  42. 42. Training
  43. 43. Information
  44. 44. Contact information: Scottish Association of Landlords (SAL) Hopetoun Gate, 8b McDonald Road Edinburgh EH7 4EZ 0131 564 0100 info@scottishlandlords.com www.scottishlandlords.com Twitter: @scotlandlord Scottish Association of Landlords
  45. 45. Sessions now available to attend Scottish Letting Day Biosphere Blue (current room): Unwrapping the energy performance certificate Biosphere Green: Letting question time Ozone: Changing the referencing process forever (Vouch) & What’s next? (PayProp) Showdome: Working positively with Universal Credit 4D Cinema: A guide to completing your tax return Salisbury Suite: Preventing HR headaches
  46. 46. Unwrapping the energy performance certificate Scott Restrick, Energy Action Scotland Scottish Letting Day Scottish Letting Day 2019
  47. 47. Unwrapping the energy performance certificate
  48. 48. Unwrapping the energy performance certificate Scottish Context for Energy Efficiency Standards • By 2040 ALL Scottish homes are EPC ‘C’ where technically and feasible and cost effective • Social Rented – already covered by Energy Efficiency Standard for Social Housing (EESSH) • Current EESSH policy – EPC ‘C’ by 2020 • EESSH 2, maximize number achieving EPC ‘B’ by 2032
  49. 49. Unwrapping the energy performance certificate Scottish Context for Energy Efficiency Standards • PRS Consultation (May/June 2019) proposed: • Band ‘E’ from April 2020 • Band ‘D’ from April 2022 • Band ‘C’ from 2025 • Timeline: • Issued draft regulations and guidance for consultation in May 2019 • Regulations laid in Parliament after Summer recess
  50. 50. Unwrapping the energy performance certificate
  51. 51. Unwrapping the energy performance certificate
  52. 52. Unwrapping the energy performance certificate Rating Metrics on EPC
  53. 53. Unwrapping the energy performance certificate SAP rating is a cost based metric
  54. 54. Unwrapping the energy performance certificate SAP rating is a cost based metric MPG?
  55. 55. Unwrapping the energy performance certificate Building Element Efficiency Ratings
  56. 56. Unwrapping the energy performance certificate Recommendation for Improvements
  57. 57. Unwrapping the energy performance certificate Recommendation for Improvements IMPROVEMENT MEASURE TYPE – Solid Walls Item Measure To be considered when existing dwelling is/has: Recommended if existing dwelling has: Improve to: Q Solid wall insulation Solid wall (stone or brick) or park home wall, assessed as "as built" and not "unknown" Wall U-value (as entered by assessor or assumed from RdSAP tables) > 0.6 Internal or external wall insulation with: E&W, NI: U-value 0.3 Scotland: U-value 0.22
  58. 58. Unwrapping the energy performance certificate Recommendation for Improvements IMPROVEMENT MEASURE TYPE - Glazing Item Measure To be considered when existing dwelling is/has: Recommended if existing dwelling has: Improve to: O Double glazed windows Single glazed windows present Less than 80% of windows with multiple glazing If all windows measured, all single glazed windows replaced by double glazing with U = 1.8 (roof windows) or U = 1.6 (other windows), and g = 0.63. Otherwise the windows with single glazing changed to double glazing with U = 1.6 and g = 0.63. O3 Glazing replacement Double glazing with PVC frames and 12 mm gap installed before 2002 (E&W) or 2003 (Scotland) or 2006 (Northern Ireland) At least 80% of windows are of that type Replace double glazed units with new units giving whole-window values of U = 1.6 and g = 0.74. P Secondary glazing Single glazing present but assessor de-selected measure O. See Note 6 Less than 80% of windows with multiple glazing If all windows measured apply secondary glazing to single glazed windows with U = 2.6 (roof windows) or U = 2.4 (other windows) and g = 0.76. Otherwise the windows with single glazing changed to secondary glazing with U = 2.4 and g = 0.76.
  59. 59. Unwrapping the energy performance certificate Recommendation for Improvements IMPROVEMENT MEASURE TYPE - Heating Item Measure To be considered when existing dwelling is/has: Recommended if existing dwelling has: Improve to: L2 [Note 1] - Secondary electric heaters (693) if no existing secondary. New or replacement storage heaters Main heating by storage heaters, Old (large volume) or Slimline Mains gas not available, and hot water heating by cylinder with single immersion, or from solid- fuel secondary heater High heat retention storage heaters (409) and controls (2404), and dual immersion water heating, large cylinder with 50 mm factory-applied insulation. Mains gas not available, and any other hot water system High heat retention storage heaters (409) and controls (2404). Main heating by: - electric room heaters - electric ceiling heating Also if no space heating system present Mains gas not available, and hot water heating by cylinder with single immersion or from solid-fuel secondary heater or no hot water system present High heat retention storage heaters (409) and controls (2404), 7-hour off-peak tariff and dual immersion water heating, large cylinder with 50 mm factory-applied insulation. [Note 1] Mains gas not available, and any other hot water system High heat retention storage heaters (409) and controls (2404), 7-hour off-peak tariff. [Note 1]
  60. 60. Unwrapping the energy performance certificate Craig Avenue – Base Rating
  61. 61. Unwrapping the energy performance certificate Craig Avenue  all external walls U-value = 0.22
  62. 62. Unwrapping the energy performance certificate Craig Avenue  all external walls U-value = 0.27
  63. 63. Unwrapping the energy performance certificate Craig Avenue  all external walls U-value = 0.22 and insulate corridor to same
  64. 64. Unwrapping the energy performance certificate Craig Avenue  all external walls U-value = 0.27 and insulate corridor to same
  65. 65. Unwrapping the energy performance certificate Craig Avenue  all external walls U-value = 0.27 and insulate corridor to same  install replacement glazing U-value 1.4
  66. 66. Unwrapping the energy performance certificate Craig Avenue  all external walls U-value = 0.27 and insulate corridor to same  install replacement glazing U-value 1.4  Install high heat retention storage heating
  67. 67. Unwrapping the energy performance certificate Craig Avenue  all external walls U-value = 0.27 and insulate corridor to same  install replacement glazing U-value 1.4  Install high heat retention storage heating with new HWC
  68. 68. Unwrapping the energy performance certificate Craig Avenue  install replacement glazing U-value 1.4  Install high heat retention storage heating with new HWC
  69. 69. Unwrapping the energy performance certificate Craig Avenue  Install high heat retention storage heating with new HWC
  70. 70. Unwrapping the energy performance certificate Craig Avenue  Install high heat retention storage heating with new HWC  Insulate the flat roof
  71. 71. Unwrapping the energy performance certificate Craig Avenue  Install high heat retention storage heating with new HWC  Insulate the flat roof  Add PV, 2.5kWp system
  72. 72. Unwrapping the energy performance certificate Craig Avenue  Install high heat retention storage heating with new HWC  Insulate the flat roof  all external walls U-value = 0.27 and insulate corridor to same
  73. 73. Unwrapping the energy performance certificate Estimation of Running Costs – Base Rating
  74. 74. Unwrapping the energy performance certificate Payment method has a big influence on running costs
  75. 75. Unwrapping the energy performance certificate Current price (Nov-19) for an off-peak electricity supply
  76. 76. Unwrapping the energy performance certificate Using the default PCDF prices for July 2019
  77. 77. Unwrapping the energy performance certificate Using the current SP CPWM (PPM) prices Nov-2019
  78. 78. Unwrapping the energy performance certificate Unregulated fuels can be very variable in their cost
  79. 79. Unwrapping the energy performance certificate Location / Climate have a significant impact too…
  80. 80. Unwrapping the energy performance certificate Potential for Renewables
  81. 81. 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:
  82. 82. Scottish Letting Day Conference and exhibition 12 November 2019 Sponsors: Scottish Letting Day Tweet #LettingDay
  83. 83. Using mediation in resolving conflict May Millward & Amanda Rigby Greenhaugh, Scottish Mediation Scottish Letting Day Scottish Letting Day 2019
  84. 84. Mediation workshop May Millward Amanda Rigby- Greenhaugh 85
  85. 85. Positions 86 Interests Needs Party 1 Party 2
  86. 86. 87
  87. 87. 88
  88. 88. 89
  89. 89. 90
  90. 90. Positions 91 Interests Needs Tenant 1 Stop parking your car outside my house Tenant 2 I’ll park where I want it’s not your parking space
  91. 91. Needs – conflict drivers • F Fair • L Listened to • A Acknowledged • S Status • H Heard • E Esteem • R Respect • S Security 92
  92. 92. 5 stages of mediation • introductions and ground rules • uninterrupted speaking time • exchange • exploring options/problem solving • agreement 93
  93. 93. Stop – Start – Continue Identify – • something I/they should stop or change • something I/they should start doing • something I/they should continue to do 94
  94. 94. Benefits of mediation • confidential, unbiased and voluntary • looks forward rather than dwelling on the past • encourages early resolution of disagreements • puts the people involved in control of the outcome • is less formal than grievance and complaints procedures or court proceedings • is less stressful • could be cheaper • could resolve your dispute quicker • enables ongoing relationships 95
  95. 95. What People Say about Mediation (1) • “I was nervous before engaging in mediation as I did not know what to expect, I was also concerned that the process might break down. My concerns were unfounded and I felt that mediation was the best choice I could’ve made in the situation. I felt totally supported by our mediator and found the structure of the appointments to be ideal. I felt heard during our sessions and when it came to the joint meeting I felt that it was safe to discuss how I felt, what the impact of the behaviour had been for me and how I would like to resolve the situation. We were facilitated in creating an agreement around our professional relationship and this also covered what we would do in the event of any further occurrences. I am happy to say that since our mediation there have been no further incidents. The intervention of mediation prevented the situation from becoming irreparable and I would highly recommend this service.” 96
  96. 96. What People Say about Mediation (2) “The mediation started us off on a process of communication and problem-solving which had previously proven a challenge for both of us. It gave us the space to talk through and reflect on our difficulties. I would recommend it for anyone dealing with difficult issues.” 97
  97. 97. Access to mediation Scottish Mediation www.scottishmediation.org.uk 0130 556 8118 University of Strathclyde Housing Mediation Project hass-mediation-clinic@strath.ac.uk 0141 548 4510 98
  98. 98. Mediation techniques workshop 3 hour workshops offering training on ways to effectively manage relationships between agents, landlords, and tenants covering – - the causes of conflict - how situations can escalate - best practice on managing and resolving issues ***Constitutes 3 hours of formal CPD *** 99
  99. 99. Mediation techniques workshop for letting agents • 20th November 2019 – Inverness • 27th November 2019 - Prestwick • 11th December 2019 – Methil • 15th January 2020 – Aberdeen • 23rd January 2020 – Hamilton • 29th January 2020 – Dumfries • 18th February 2020 – Perth Book at Landlord Accreditation Scotland - Stand 34 100
  100. 100. Mediation techniques workshop feedback • keeping tenants’ and landlords’ needs to the fore • knowing the techniques and ways to mediate will help me feel more confident in resolving issues more positively. • will use in situations in day to day work hopefully to stop situations escalating between parties • in a work context good for dealing with colleagues, other agents, tenants and landlords. Good for personal situations too! 101
  101. 101. Any questions? 102
  102. 102. Sessions now available to attend Scottish Letting Day Biosphere Blue (current room): A guide to completing your tax return Biosphere Green: Property insurance – The top secrets to ensure that you have the correct cover in place Ozone: Support towards meeting minimum energy efficiency standards & Freeing up time for landlords and letting agents Showdome: Understanding the private residential tenancy 4D Cinema: How to survive rent controls and the buy to let backlash Salisbury Suite: Preventing HR headaches
  103. 103. A guide to completing your tax return Jackie Fraser, Chiene + Tait Scottish Letting Day Scottish Letting Day 2019
  104. 104. Letting Day Conference 2019 C+T2
  105. 105. Letting Day Conference 2019 The tax return Jackie Fraser Partner
  106. 106. Letting Day Conference 2019
  107. 107. Letting Day Conference 2019
  108. 108. 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
  109. 109. 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
  110. 110. Letting Day Conference 2019 The extra tax returns Scottish Letting Day 2019 | Let’s take it step-by-step
  111. 111. Letting Day Conference 2019 The extra tax returns: two most common Scottish Letting Day 2019 | Let’s take it step-by-step
  112. 112. Letting Day Conference 2019 Cash basis, or accruals? Scottish Letting Day 2019 | First, decide…
  113. 113. Letting Day Conference 2019 In detail… Scottish Letting Day 2019 | Let’s take it step-by-step
  114. 114. Letting Day Conference 2019 In detail… Scottish Letting Day 2019 | Let’s take it step-by-step
  115. 115. Letting Day Conference 2019 In detail… Scottish Letting Day 2019 | Let’s take it step-by-step
  116. 116. Letting Day Conference 2019 In detail… Scottish Letting Day 2019 | Let’s take it step-by-step
  117. 117. Letting Day Conference 2019 In detail… Scottish Letting Day 2019 | Let’s take it step-by-step
  118. 118. Letting Day Conference 2019 In detail… Scottish Letting Day 2019 | Let’s take it step-by-step
  119. 119. 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
  120. 120. Letting Day Conference 2019 Losses Scottish Letting Day 2019 | How to handle losses
  121. 121. Letting Day Conference 2019 Complications Scottish Letting Day 2019 | What to watch out for
  122. 122. Letting Day Conference 2019 Questions? Scottish Letting Day 2019 | Questions
  123. 123. Scottish Letting Day 2019 Refreshments are served in the Stratosphere area Programme resumes 15.15pm Please visit our exhibitors’ stands Scottish Letting Day Sponsors:
  124. 124. Scottish Letting Day Conference and exhibition 12 November 2019 Sponsors: Scottish Letting Day Tweet #LettingDay
  125. 125. Unwrapping the energy performance certificate Scott Restrick, Energy Action Scotland Scottish Letting Day Scottish Letting Day 2019
  126. 126. Unwrapping the energy performance certificate
  127. 127. Unwrapping the energy performance certificate Scottish Context for Energy Efficiency Standards • By 2040 ALL Scottish homes are EPC ‘C’ where technically and feasible and cost effective • Social Rented – already covered by Energy Efficiency Standard for Social Housing (EESSH) • Current EESSH policy – EPC ‘C’ by 2020 • EESSH 2, maximize number achieving EPC ‘B’ by 2032
  128. 128. Unwrapping the energy performance certificate Scottish Context for Energy Efficiency Standards • PRS Consultation (May/June 2019) proposed: • Band ‘E’ from April 2020 • Band ‘D’ from April 2022 • Band ‘C’ from 2025 • Timeline: • Issued draft regulations and guidance for consultation in May 2019 • Regulations laid in Parliament after Summer recess
  129. 129. Unwrapping the energy performance certificate
  130. 130. Unwrapping the energy performance certificate
  131. 131. Unwrapping the energy performance certificate Rating Metrics on EPC
  132. 132. Unwrapping the energy performance certificate SAP rating is a cost based metric
  133. 133. Unwrapping the energy performance certificate SAP rating is a cost based metric MPG?
  134. 134. Unwrapping the energy performance certificate Building Element Efficiency Ratings
  135. 135. Unwrapping the energy performance certificate Recommendation for Improvements
  136. 136. Unwrapping the energy performance certificate Recommendation for Improvements IMPROVEMENT MEASURE TYPE – Solid Walls Item Measure To be considered when existing dwelling is/has: Recommended if existing dwelling has: Improve to: Q Solid wall insulation Solid wall (stone or brick) or park home wall, assessed as "as built" and not "unknown" Wall U-value (as entered by assessor or assumed from RdSAP tables) > 0.6 Internal or external wall insulation with: E&W, NI: U-value 0.3 Scotland: U-value 0.22
  137. 137. Unwrapping the energy performance certificate Recommendation for Improvements IMPROVEMENT MEASURE TYPE - Glazing Item Measure To be considered when existing dwelling is/has: Recommended if existing dwelling has: Improve to: O Double glazed windows Single glazed windows present Less than 80% of windows with multiple glazing If all windows measured, all single glazed windows replaced by double glazing with U = 1.8 (roof windows) or U = 1.6 (other windows), and g = 0.63. Otherwise the windows with single glazing changed to double glazing with U = 1.6 and g = 0.63. O3 Glazing replacement Double glazing with PVC frames and 12 mm gap installed before 2002 (E&W) or 2003 (Scotland) or 2006 (Northern Ireland) At least 80% of windows are of that type Replace double glazed units with new units giving whole-window values of U = 1.6 and g = 0.74. P Secondary glazing Single glazing present but assessor de-selected measure O. See Note 6 Less than 80% of windows with multiple glazing If all windows measured apply secondary glazing to single glazed windows with U = 2.6 (roof windows) or U = 2.4 (other windows) and g = 0.76. Otherwise the windows with single glazing changed to secondary glazing with U = 2.4 and g = 0.76.
  138. 138. Unwrapping the energy performance certificate Recommendation for Improvements IMPROVEMENT MEASURE TYPE - Heating Item Measure To be considered when existing dwelling is/has: Recommended if existing dwelling has: Improve to: L2 [Note 1] - Secondary electric heaters (693) if no existing secondary. New or replacement storage heaters Main heating by storage heaters, Old (large volume) or Slimline Mains gas not available, and hot water heating by cylinder with single immersion, or from solid- fuel secondary heater High heat retention storage heaters (409) and controls (2404), and dual immersion water heating, large cylinder with 50 mm factory-applied insulation. Mains gas not available, and any other hot water system High heat retention storage heaters (409) and controls (2404). Main heating by: - electric room heaters - electric ceiling heating Also if no space heating system present Mains gas not available, and hot water heating by cylinder with single immersion or from solid-fuel secondary heater or no hot water system present High heat retention storage heaters (409) and controls (2404), 7-hour off-peak tariff and dual immersion water heating, large cylinder with 50 mm factory-applied insulation. [Note 1] Mains gas not available, and any other hot water system High heat retention storage heaters (409) and controls (2404), 7-hour off-peak tariff. [Note 1]
  139. 139. Unwrapping the energy performance certificate Craig Avenue – Base Rating
  140. 140. Unwrapping the energy performance certificate Craig Avenue  all external walls U-value = 0.22
  141. 141. Unwrapping the energy performance certificate Craig Avenue  all external walls U-value = 0.27
  142. 142. Unwrapping the energy performance certificate Craig Avenue  all external walls U-value = 0.22 and insulate corridor to same
  143. 143. Unwrapping the energy performance certificate Craig Avenue  all external walls U-value = 0.27 and insulate corridor to same
  144. 144. Unwrapping the energy performance certificate Craig Avenue  all external walls U-value = 0.27 and insulate corridor to same  install replacement glazing U-value 1.4
  145. 145. Unwrapping the energy performance certificate Craig Avenue  all external walls U-value = 0.27 and insulate corridor to same  install replacement glazing U-value 1.4  Install high heat retention storage heating
  146. 146. Unwrapping the energy performance certificate Craig Avenue  all external walls U-value = 0.27 and insulate corridor to same  install replacement glazing U-value 1.4  Install high heat retention storage heating with new HWC
  147. 147. Unwrapping the energy performance certificate Craig Avenue  install replacement glazing U-value 1.4  Install high heat retention storage heating with new HWC
  148. 148. Unwrapping the energy performance certificate Craig Avenue  Install high heat retention storage heating with new HWC
  149. 149. Unwrapping the energy performance certificate Craig Avenue  Install high heat retention storage heating with new HWC  Insulate the flat roof
  150. 150. Unwrapping the energy performance certificate Craig Avenue  Install high heat retention storage heating with new HWC  Insulate the flat roof  Add PV, 2.5kWp system
  151. 151. Unwrapping the energy performance certificate Craig Avenue  Install high heat retention storage heating with new HWC  Insulate the flat roof  all external walls U-value = 0.27 and insulate corridor to same
  152. 152. Unwrapping the energy performance certificate Estimation of Running Costs – Base Rating
  153. 153. Unwrapping the energy performance certificate Payment method has a big influence on running costs
  154. 154. Unwrapping the energy performance certificate Current price (Nov-19) for an off-peak electricity supply
  155. 155. Unwrapping the energy performance certificate Using the default PCDF prices for July 2019
  156. 156. Unwrapping the energy performance certificate Using the current SP CPWM (PPM) prices Nov-2019
  157. 157. Unwrapping the energy performance certificate Unregulated fuels can be very variable in their cost
  158. 158. Unwrapping the energy performance certificate Location / Climate have a significant impact too…
  159. 159. Unwrapping the energy performance certificate Potential for Renewables
  160. 160. Sessions now available to attend Scottish Letting Day Biosphere Blue (current room): Taster training for letting agents – meaningful CPD Biosphere Green: Tribunal know how for landlords Showdome: Informing research to shape the future of private renting 4D Cinema: Working positively with Universal Credit Salisbury Suite: Digital first impressions: How do you measure up on LinkedIn?
  161. 161. Taster training for letting agents – meaningful CPD Elspeth Boyle, Landlord Accreditation Scotland Scottish Letting Day Scottish Letting Day 2019
  162. 162. The Letting Agent Compliance Programme It’s a numbers game Promoting best practice in the private rented sector
  163. 163. 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
  164. 164. 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
  165. 165. 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
  166. 166. 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
  167. 167. 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
  168. 168. 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
  169. 169. How many written procedures are required? Scottish Government states there is a minimum of 9 Promoting best practice in the private rented sector
  170. 170. Promoting best practice in the private rented sector
  171. 171. 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
  172. 172. 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
  173. 173. 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
  174. 174. 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.
  175. 175. Promoting best practice in the private rented sector
  176. 176. 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
  177. 177. www.landlordaccrediationscotland.comwww.landlordaccreditationscotland.com
  178. 178. Scotland and finally
  179. 179. Scottish Letting Day 2019 Thank you for coming See you next year Sponsors: Scottish Letting Day

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