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Scottish Letting Day 2019 - Ozone

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Scottish Letting Day 2019 - Ozone

  1. 1. Scottish Letting Day 2019 Conference and exhibition 12 November 2019 Sponsors: Scottish Letting Day Ozone sessions
  2. 2. Scottish Letting Day John Blackwood introduction video Sponsors: Scottish Letting Day
  3. 3. Property letting after the world changed David Morrison, EQ Accountants Scottish Letting Day Scottish Letting Day 2019
  4. 4. Scottish Letting Day 2019 Owning property… and then the world changed David Morrison Head of Taxation, EQ Accountants LLP 12 November 2019
  5. 5. • 1 Apr 2015 – LBTT introduced • 1 Apr 2016 – the additional dwelling supplement is introduced at 3% • 6 Apr 2016 – wear and tear allowance is abolished, becoming replacement of domestic items relief • 6 Apr 2017 – restrictions on interest on borrowing costs commence to be fully phased in by 6 April 2020 • 25 Jan 2019 – ADS rises to 4% A history lesson
  6. 6. Other taxation problems with residential property ownership •property values subject to IHT •Capital Gains Tax relief on gifts not available •CGT at “surcharge” rate of 28% •VAT not typically recoverable on repairs •property income does not qualify as pensionable earnings •ATED charge for high value properties held in a company
  7. 7. The tax upsides of owning property There is no National Insurance on property!
  8. 8. What does the future hold for property taxation?
  9. 9. Future anticipated principles •low Corporate Taxation (17% or lower) •high personal taxation (40% to 45% or higher) •ADS & CGT “surcharges” to remain
  10. 10. • might IHT be scrapped, perhaps to be replaced by a US style wealth tax, payable annually • could property investment companies pay a different CT rate • incorporation of property partnerships – “loophole to be blocked” Possible future changes
  11. 11. • the costs of restructuring usually more than negate the benefits of doing so • get the basics right and maximise deductions against rental income • property companies may be a good idea for future portfolio expansion • lower CT rates • using spouses & children • retain profits to grow Principles to take away
  12. 12. • post tax yields still very good in some areas • still plenty of tax mitigation options • find the investments with good capital growth prospects And most importantly… Would I still invest in property?
  13. 13. Don’t worry be happy
  14. 14. David Morrison MA CA CTA 01382 312100 david.morrison@eqaccountants.co.uk Connect on LinkedIn, @DMorrisonEQ on Twitter Come and have a chat at stand 38
  15. 15. Financing complex buy to lets Holly Hynd, Paragon Bank Scottish Letting Day Scottish Letting Day 2019
  16. 16. Buy-to-let Holly Hynd Regional Manager November 2019
  17. 17. 24About Paragon • Paragon are a specialist BTL lender • accept business through brokers/intermediaries • 25 years BLT lending experience • came out of Scottish market c.2008 and only offered non portfolio/’Mortgage Trust’ products • diversified into more specialist areas • 2nd charges • asset finance • motor finance • development finance • re-entered into Scottish market for portfolio borrowing Aug 2018
  18. 18. 25Agenda Paragon portfolio vs non-portfolio Generic criteria Complex buy-to-let (HMOs and MUBs) PRA stance Limited companies Forward funding facility New products
  19. 19. 26Portfolio vs non-portfolio Paragon portfolio Paragon non-portfolio Houses in multiple occupancy (HMO) ✔ Multi-unit block (MUB) i.e. several flats on one title - 20 units max ✔ Single self-contained unit ✔ ✔ Limited company lending ✔ Maximum aggregate borrowing £5,000,000 within the Group, unlimited elsewhere Maximum of three mortgaged buy- to-lets in portfolio Maximum loan size per property £2,000,000 £1,000,000 Minimum loan size £30,000 £30,000 Minimum property value £75,000 £75,000 Remortgage within six months of purchase ✔ ✔ Maximum age at expiry of mortgages 85 85 New build houses and flats up to 80% ✔ ✔ Let to buy and let to rent ✔ ✔ Wide range of tenancy allowed (including students & DSS) ✔ ✔ Online process ✔ ✔
  20. 20. 27Generic criteria • up to 80% loan to value • for portfolios below £5m there is no stress testing on whole portfolio • no need to be owner occupier however, must be a property owner • lending over £5m – referred to our specialist corporate team (total aggregate borrowing max 70% across whole portfolio) Income Non-portfolio: • min of £25,000 combined employed/self employed income* Portfolio: • min of £25,000 combined income – can include rental* * all subject to affordability
  21. 21. 28Houses in multiple occupation (HMOs) • available from 3 to 20 sharers • students • benefit recipients • young professionals • rent assessed on multiple basis/room • landlord should have appropriate buy-to-let experience (three years +) • appropriate building regulations, planning consents and licensing should be in place and the solicitor will be required to confirm this
  22. 22. 29Multi-unit blocks (MUBs) • purpose built or converted properties up to a maximum of 20 individual units on one title • rent assessed on multiple basis/unit • landlord should have appropriate buy-to-let experience (three years +) • appropriate building regulations, planning consents and licensing should be in place and the solicitor will be required to confirm this
  23. 23. 30Limited companies • limited company must be registered in England, Wales or Scotland and set up for the principle purpose of buying and letting residential property. Paragon does not have to be the sole and exclusive lender • existing companies must not be trading in any other area, e.g. development • day one limited companies are acceptable • at least 80% of the shares must be owned in the directors’ individual names. Any deposit monies must come from the directors own source of funds • personal guarantees will be required from all directors and we will underwrite them as per any normal mortgage application, e.g. income verification, bank statements etc.
  24. 24. 31Specialist underwriting for portfolio landlords • portfolio landlords are defined as a professional landlord who has four or more mortgaged buy-to-let properties • lenders are expected to apply a specialist underwriting process in these cases, including requests for: • proof of income • accounts or tax returns/tax overviews/SA302s/tax calculations • payslips • rental bank statements • property schedule – very important over & above requirements • business plan • cash flow forecast
  25. 25. 32Forward Funding Facility Our Forward Funding Facility is a future line of credit which is pre-agreed for professional landlords. How to apply: • must have an ongoing application in underwriting • at offer stage borrower and introducer receive facility terms letter • valid for six months • broker submits ‘subsequent application’, then we carry out a credit search and instruct valuation • if any changes in circumstances, you must make us aware
  26. 26. 33New products Expats, holiday lets and short term finance
  27. 27. 34Holiday lets • max 70% LTV to a max of £500k • personal name or Ltd company • SSCs only (no HMOs or MUBs) • no personal use by applicant or family • Airbnb acceptable • must be able to be let on a standard AST/PRT basis • rental calculation based on AST rental value unless applicant can prove they have let the property for two years plus, and can evidence with accounts Key criteria
  28. 28. 35Ex-pats • max LTV 70% <£750k, 65% up to £1m • personal names, UK limited companies and UK LLPs acceptable • all applicants* must hold a current UK passport • all applicants* must have held a UK bank account for last three years • no minimum income requirements and all employment statuses considered • SSCs, let on an AST/PRT basis • evidence and source of deposit required on all cases • managing agent must be in place and details required pre-completion Key criteria * In the case of a corporate application, guarantor
  29. 29. 36Ex-pats Acceptable countries of residence
  30. 30. 37Short term finance • for properties that are not currently fit for a standard Paragon buy-to-let mortgage • for landlords looking to purchase or remortgage a property with the long term aim of letting it • not to be used for property ‘flips’ • it is not a bridge
  31. 31. 38Product categories STANDARD LIGHT HEAVY Simultaneous buy-to-let? Yes Yes * No Maximum term 6 months 9 months 12 months Works allowed Minor works, such as decorating etc. Refitting internals, C3 to C4 usage. No material change to the existing floor area Extensions, reconfiguration, planning permission required, and conversion to multiple units ** Costs should not exceed N/A 25% of the property value 50% of the property value Maximum initial LTV rolled up 70% 70% 65% * ** *** Limited to a 6 month term Maximum of 10 units Deduct 5% if the loan is more than £750,000
  32. 32. 39Benefits  you can apply for the buy-to-let mortgage exit strategy simultaneous to the refurbishment product  no short term finance exit fee and no buy-to-let application or valuation fee (if remaining with Paragon)  continuity of service with the same underwriter reviewing both applications
  33. 33. 40Drop by our stand Pop by our stand to chat further with me & James (3MC)
  34. 34. Thank you Questions?
  35. 35. Sessions now available to attend Scottish Letting Day Ozone Demystifying legionella & (current room): A year in the life of a tenancy deposit scheme Biosphere Blue: Understanding the private residential tenancy Biosphere Green: Tribunal know how for letting agents 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
  36. 36. Demystifying legionella Kevin Dempsey, Legionella Edinburgh Scottish Letting Day Scottish Letting Day 2019
  37. 37. Demystifying Legionella Kevin Dempsey Legionella Edinburgh
  38. 38. hse.gov.uk/legionnaires/legionella- landlords-responsibilities.htm
  39. 39. There is a legal duty for landlords to assess and control the risk of exposure to Legionella bacteria, but Health and Safety law does not require landlords to produce or obtain, nor does HSE recognise, a ‘Legionnaires testing certificate'.
  40. 40. 6. Record 1. Risk assessment 2. Remedial works 3. Inform tenants 4. Manage risk 5. Review risk assessment What do I have to do?
  41. 41. Kevin Dempsey kevin@legionellaedinburgh.com www.legionellaedinburgh.com
  42. 42. A year in the life of a tenancy deposit scheme Mike Smith, SafeDeposits Scotland Scottish Letting Day Scottish Letting Day 2019
  43. 43. A year in the life of a tenancy deposit scheme Mike Smith TenantTeam Manager
  44. 44. The day-to-day 134,116 DEPOSITS PROTECTED 39,878 CALLS RECEIVED 2,588 DISPUTES HANDLED £98M VALUE 18,406 EMAILS RECEIVED
  45. 45. The day-to-day Tenant team ADR team Client team
  46. 46. Working in partnership
  47. 47. An ever evolving sector • PRT • government review • regulation changes
  48. 48. Reaching out to all 12,317MILES TRAVELLED 2018-19
  49. 49. Reaching out to all
  50. 50. Giving back to the sector £435,000IN FUNDING GRANTS AWARDED BY
  51. 51. Looking forward…
  52. 52. Sessions now available to attend Scottish Letting Day Ozone Vouch – Changing the referencing process forever & (current room): What’s next? (PayProp) Biosphere Blue: Unwrapping the energy performance certificate Biosphere Green: Letting question time Showdome: Working positively with Universal Credit 4D Cinema: A guide to completing your tax return Salisbury Suite: Preventing HR headaches
  53. 53. Vouch – Changing the referencing process forever Kevin Gaskell, Vouch Scottish Letting Day Scottish Letting Day 2019
  54. 54. What’s next? Neil Cobbold, PayProp Scottish Letting Day Scottish Letting Day 2019
  55. 55. NEIL COBBOLD
  56. 56. Our background C L I E N T S B AN K I N G R E L AT I O N S H I P S
  57. 57. How does PayProp work?
  58. 58. Reconciliation
  59. 59. What next? Understand & evaluate
  60. 60. Agents’ thoughts on the future: recent technology company survey
  61. 61. “Traditional agencies are on borrowed time.” BrightSale Research, 2008 Agents’ thoughts on the future: recent technology company survey
  62. 62. If you think it’s expensive to engage a technology professional, just wait until you’ve engaged with an amateur!
  63. 63. Warnings given about PropTech?
  64. 64. If not processes, then…?
  65. 65. What would the labels look like if your employees came with warnings?
  66. 66. Missing image
  67. 67. How should we adapt?
  68. 68. 01 Encourage and support compliance amongst letting agents 02 Provide clear information to letting agents on what a fit and proper person entails 03 To streamline the process for agents, given the compliance burden What are the objectives of the 2018 Scottish regulatory changes?
  69. 69. 01 Increase lettings leads 02 Increase conversions 03 Increase profit Increase income
  70. 70. 01 Increase lettings leads 02 Increase conversions 03 Increase profit Increase income
  71. 71. 01 Increase lettings leads Increase brand presence 1-14 vs 1-2 Permanent presence Word of mouth Increase income
  72. 72. 02 Increase conversions Sell to your differences Staff empowerment – train, encourage, reward Increase front-end client time Don’t assume they know Increase income
  73. 73. Treat other people how…
  74. 74. 03 Increase profit Upselling and cross-selling Premium service warrants a premium fee Increase income
  75. 75. Increase income £17 rate card price 2008 £25 rate card price 2018 2008 – 12% + VAT - £663 - £79.56 2018 – 10 incl. VAT - £790 - £65.81 +20% -44%
  76. 76. 03 Increase profit Upselling and cross-selling Premium service warrants a premium fee Be indispensable You are not a charity Increase income
  77. 77. Increase profit and growth by using proven-yet-uncommon approaches for customer loyalty. The book explains “Wildcard”, which is a two-step model for low-risk innovation – illustrated by how Apple used this model to go from weeks away from bankruptcy to one of the most valuable companies in the world.
  78. 78. 01 Increase lettings leads 02 Increase conversions 03 Increase profit Increase income
  79. 79. Thank you! www.payprop.co.uk neil.cobbold@payprop.co.uk 020 3740 7614
  80. 80. 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:
  81. 81. Scottish Letting Day Conference and exhibition 12 November 2019 Sponsors: Scottish Letting Day Tweet #LettingDay
  82. 82. Maximising potential through insurance Robert Guy, Alan Boswell Scottish Letting Day Scottish Letting Day 2019
  83. 83. Maximising potential through insurance
  84. 84. Rob Guy
  85. 85. Why Alan Boswell Group? Generate passive income - you continue to get paid after the work is done. Client introductions extend beyond landlords insurance. Tenants contents insurance, protecting deposits. Claims considerations – this is a major benefit for managing agents. Marketing materials – e-leaflets to support your insurance referrals.
  86. 86. Why Alan Boswell Group?
  87. 87. National Landlords Investment Show – Best Landlords Insurance Provider London Landlord Accreditation Awards – Best Landlords Provider Insurance Times - Insurance Broker Of The Year Why Alan Boswell Group?
  88. 88. Why Alan Boswell Group?
  89. 89. What does this mean for managing agents? • financial promotions • commission payments • being “visible” in the event of a complaint • RICS Insurance is regulated by the FCA
  90. 90. FCA Register
  91. 91. Call ABG or request a callback We will complete the fact find and understand your needs Quote, sell and payment taken All documents issued electronically Invite renewal Secure renewal Simple referral process Statement of Fact No signatures required Interested Parties Cover details issued Flexible payment options
  92. 92. That’s just for starters! Pricing flexibility Empowered staff Wide underwriting acceptance Private Sector Leasing Bespoke wordings 5*rated products
  93. 93. Not all landlord insurance is the same • malicious damage caused by the tenant including cannabis farms/drugs factories • carpets, curtains and white goods included within the buildings definition • 90 days full policy cover between lets • loss of rent and/or alternative accommodation • trace and access • guaranteed repairs • accidental damage • £5M property owners liability (£10M employers liability too) • you can add home emergency, legal and rent guarantee
  94. 94. Our claims service • delegated claims authority • 25 staff • our own loss assessor • hand held through the process • work for your customers, not the insurer!
  95. 95. Trusted Partner – Price Beat GuaranteeTrusted partner – price beater guarantee • 5* rated products • gold trusted status on Feefo • price beat not price match • commission pay aways for new business and renewal • claims support at a difficult time
  96. 96. Any questions?
  97. 97. An introduction to adjudication James Garvey, The Letting Protection Service Scotland Scottish Letting Day Scottish Letting Day 2019
  98. 98. An introduction to adjudication James Garvey, Head of client management The LPS Scotland
  99. 99. What evidence can be submitted? 1. Signed and legally compliant tenancy agreement 2. Signed and dated check-in report – or other relevant check in evidence? 3. Signed and dated check-out report – or other relevant check out evidence? 4. Photographs – dated, and preferably digital 5. Invoices, receipts, or estimates for costs being claimed 6. DVD/video evidence 7. Statement of rent account 8. Interim inspections/reports 9. Correspondence/emails 10.Witness statements
  100. 100. Photographs
  101. 101. Photographs
  102. 102. What evidence can be submitted? 1. Signed and legally compliant tenancy agreement 2. Signed and dated check-in report – or other relevant check in evidence? 3. Signed and dated check-out report – or other relevant check out evidence? 4. Photographs – dated, and preferably digital 5. Invoices, receipts, or estimates for costs being claimed 6. DVD/video evidence 7. Statement of rent account 8. Interim inspections/reports 9. Correspondence/emails 10.Witness statements
  103. 103. Fair wear and tear/betterment ›Fair wear and tear: damage, depreciation or loss resulting from ordinary use ›ARLA guidance – factors to take into account 1. original age, quality and condition … at commencement of tenancy 2. average useful lifespan 3. reasonable expected usage of such an item 4. number and type of occupants in the property 5. length of the tenants occupancy Betterment: landlord is not entitled to charge tenants the full cost for having any part of the property… back to the condition that it was at the start of the tenancy. Landlord/agent has a duty to adopt the most reasonable approach … the tenants’ deposit is not to be used like an insurance policy where you might get full replacement value/new for old.
  104. 104. Usual life expectancy guides Joint guidance issued by ARLA, NAEA, RICS and Asset Skills in the ‘Guide to Best Practice for Inventory Providers’. Useful lifespan of room decorations and various fitting and fixtures. Decorations hall, landing, stairs 2 to 3 years living rooms 4 years dining rooms 6 years kitchen and bathrooms 2 to 3 years bedrooms 5 years Carpets budget quality 3 to 5 years medium quality 5 to 10 years top quality up to 20 years White goods washing machines 3 to 5 years cookers/ovens/hobs 4 to 6 years fridges 5 to 8 years
  105. 105. Review process 2 grounds for review: error of fact or error of law › if there are no errors – deposit monies are paid as in the original decision › if there are errors – matter is referred to a new adjudicator for a new decision › review decision is binding NOTE: no new evidence can be submitted for the review
  106. 106. Ways to get in touch Website www.lettingprotectionscotland.com Twitter @LPS_Scotland
  107. 107. Sessions now available to attend Scottish Letting Day Ozone Support towards meeting minimum energy efficiency standards & (current room): Freeing up time for landlords and letting agents Biosphere Blue: A guide to completing your tax return Biosphere Green: Property insurance – The top secrets to ensure that you have the correct cover in place Showdome: Understanding the private residential tenancy 4D Cinema: How to survive rent controls and the buy to let backlash Salisbury Suite: Preventing HR headaches
  108. 108. Support towards meeting minimum energy efficiency standards Stephen McAlaney & Gordon Spowage, Home Energy Scotland Scottish Letting Day Scottish Letting Day 2019
  109. 109. Complying with the minimum energy efficiency standards Scottish Letting Day 12 November 2019
  110. 110. Contents • who are we? • Home Energy Scotland support • minimum energy efficiency standards • Energy Performance Certificates (EPCs) • alternative approaches to compliance • financial support • Q&A
  111. 111. Home Energy Scotland • five advice centres across Scotland • free, clear, independent, impartial, localised advice • energy efficiency, renewables, transport, water, resources & waste • managed by Energy Saving Trust • funded by Scottish Government
  112. 112. Specialist advice service • specialist, tailored support aimed at: • private sector landlords • owner occupiers • coverage Scotland-wide • free home visits and report • suitability for renewables, solid wall insulation and other energy efficiency improvements • fuel bill and CO2 savings provided • financial support explained
  113. 113. What does the service offer? Specialist advisors offer free and impartial advice on the different approaches to: • improving the energy efficiency of your property • options for integrating renewable energy technologies Advice is tailored to individual properties and the landlord’s needs: • remote support – discuss EPC and minimum standards, suggest improvements, outline funding options • home visit – property assessment, detailed report
  114. 114. Minimum energy efficiency standards The Scottish Government published draft guidance on The Energy Efficiency (Private Rented Property) (Scotland) Regulations 2019 which are expected to be laid in Parliament in the coming months. These regulations outline that: •from 1 April 2020, any new tenancy will need the property to have an EPC of at least band E •by 31 March 2022, all properties will require at least EPC band E •from 1 April 2022, any new tenancy will need the property to have an EPC of at least band D •by 31 March 2025, all properties will require at least EPC band D. Details on exemptions, penalties and how the standards will be enforced can be found on the EST website or by reviewing the Scottish Government’s guidance document.
  115. 115. Energy Performance Certificates Key points • legal requirement for rental properties • valid for 10 years • accessible through Scottish EPC register Purpose • monitor efficiency of housing stock • illustrate the energy costs of properties • make recommendations to improve efficiency
  116. 116. SAP score and band SAP score is a product of: • energy demands of the property (kWh) • cost of energy to meet this demand (£/kWh) • floor area of the property (m2) Improve SAP score and energy efficiency by: • reducing heat loss (e.g. insulation) • reducing energy demand (e.g. solar PV/thermal) • increasing efficiency of heating system (e.g. condensing boiler) • reducing fuel costs (e.g. LPG > oil, electricity > gas)
  117. 117. Recommended measures • points for each individual measure • impact on the energy rating • indicative costs – large range, not specific • potential savings – based on default occupancy • limited scope to illustrate alternative measures
  118. 118. Limitations of an EPC • set order of measures (loft > walls > heating > renewables) • difficult to determine SAP score improvement from individual improvement • large range of estimated costs to cover all property types/sizes • savings are based on standard assumptions – occupant’s behaviour taken out of the equation • no indication of improvement following fuel switch (e.g. oil, LPG, heat pumps, biomass)
  119. 119. Rental property improvements report • utilises a bespoke modelling software derived from SAP • ability to overwrite SAP default assumptions • allows specialist advisors to create package scenarios (next slide) • estimate energy, fuel bill and CO2 savings • highlight funding support available • provides access to funding
  120. 120. Alternative approach to compliance • once a property has been modelled, we can create a scenario to meet your needs • advisors have flexibility to set a SAP band target, the budget, measures to include/exclude • model will complete a cost benefit analysis to determine which combination of improvements is best to achieve the set criteria • users can then manually edit and create multiple scenarios before producing the final report.
  121. 121. Financial support and incentives Home Energy Scotland loan • interest-free loan (energy efficiency & renewables) RES SME loan • interest-free loan (energy efficiency & renewables) HEEPS: area based scheme • run by local authorities and typically geography based HEEPS: equity loan • borrow against your property (incl. repair work)
  122. 122. Questions?
  123. 123. Freeing up time for landlords and letting agents Joe McGuigan, Aspray North and South Glasgow Scottish Letting Day Scottish Letting Day 2019
  124. 124. claims@aspray.com
  125. 125. Introduction • my name Joe McGuigan • the areas I cover as an Aspray appointed representative (Loss Assessor) is Glasgow, Edinburgh and Dundee claims@aspray.com
  126. 126. Who are Aspray Limited? What do we do? What does the service cost the policyholder? Introducing Aspray claims@aspray.com
  127. 127. Professional property damage claims management A complete service • all property types - residential and commercial • fire, flood, storm, impact, accidental damage, malicious damage Industry leader • regulated by the Financial Conduct Authority • TCF - robust compliance monitoring programme for all loss assessors in the field • customer centric service National coverage • offices strategically placed throughout the UK claims@aspray.com
  128. 128. Award winning service provider claims@aspray.com
  129. 129. The process from notification to completion Call head office. Survey usually arranged within 24 hours Dedicated local loss assessor and project manager Detailed schedule of works prepared Meeting with Loss Adjuster. Settlement negotiation with insurer. Management of trusted and vetted trades people Customer signs satisfaction note No charge* to the policy holder provided Aspray use their vetted contractors claims@aspray.com
  130. 130. Our introducers offer the Aspray service to their customers, which in turn helps them to:  gain business  retain business  gain an edge over competitors  add an extra income stream to their net profits at no cost to their customers or their business Introducer ppportunity claims@aspray.com
  131. 131. Fire claim Before After claims@aspray.com
  132. 132. Continued Before After claims@aspray.com
  133. 133. Continued Before After claims@aspray.com
  134. 134. Escape of water claim Before After claims@aspray.com
  135. 135. Continued Before After claims@aspray.com
  136. 136. “If you would like more information about making a claim or introducing a claim, please speak with me”. or contact claims@aspray.com Tel: 0800 077 6705 claims@aspray.com
  137. 137. Scottish Letting Day 2019 Refreshments are served in the Stratosphere area Programme resumes 15.15pm Please visit our exhibitors’ stands Scottish Letting Day Sponsors:
  138. 138. Scottish Letting Day Conference and exhibition 12 November 2019 Sponsors: Scottish Letting Day Tweet #LettingDay
  139. 139. How to prepare for the coming global recession Paul McFadden, Paul McFadden Wealth Scottish Letting Day Scottish Letting Day 2019
  140. 140. 175 HOW TO PREPARE FOR THE COMING GLOBAL RECESSION
  141. 141. 176 PAUL MCFADDEN
  142. 142. 177
  143. 143. 178
  144. 144. 179 THE OPPORTUNITY THAT IS IN FRONT OF YOU RIGHT NOW…
  145. 145. 180
  146. 146. 181 HOW TO GAIN AN UNFAIR ADVANTAGE AND WIN BIG IN PROPERTY
  147. 147. 182 CREATING WEALTH THROUGH PROPERTY ➢ BUY AND HOLD ➢ BUY AND SELL ➢ TRADE ➢ CONTROL ➢ CONVERT ➢ BUILD AND RENT/SELL
  148. 148. 183 5 CORE FUNDAMENTALS TO SUCCESS IN PROPERTY IN UNCERTAIN TIMES
  149. 149. 184 5 CORE FUNDAMENTALS TO SUCCESS IN PROPERTY IN UNCERTAIN TIMES ➢ BE AHEAD OF THE GAME ➢ BE VERY SELECTIVE WITH THE INVESTMENTS YOU MAKE ➢ HAVE A CASHFLOW STRATEGY ➢ BUILD A TRACK RECORD THAT WILL GIVE YOU ACCESS TO UNLIMITED FUNDS ➢ GET THE RIGHT KNOWLEDGE
  150. 150. 185 ‘FEARFUL WHEN OTHERS ARE GREEDY AND GREEDY WHEN OTHERS ARE FEARFUL’ - WARREN BUFFETT
  151. 151. 186 FOLLOW PAULMCFADDEN.COM
  152. 152. Getting the basics right: Gas and electrical safety Kevin Torrance, Saltire Facilities Management Limited Scottish Letting Day Scottish Letting Day 2019
  153. 153. Saltire CARING FOR OVER 70,000 HOMES ACROSS THE UK
  154. 154. Slide Header Saltire- about us Saltire was established at the turn of the century and quickly proved to be one of Scotland's fastest growing facilities management companies, providing both reactive and planned maintenance as well as ensuring that your properties heating system uses energy in the most efficient way possible. We dedicate our full attention to giving you the best service possible. We are a one stop, high quality, comprehensive service provider taking away any stress and hassle associated with heating your home. over 70,000 properties managed locally based 24/7/365 call centre 24hr response team over 200 directly employed gas engineers, electricians, plumbers, joiners, builders and labourers automated scheduling system electronic documentation ISO 9001, 14001 certified
  155. 155. Slide Header Our team Saltires team of expert tradesmen are dedicated to diagnosing and rectifying any faults as effectively and efficiently as possible. Our call centre and team of dedicated specialists guarantee a response immediately and a repair visit prioritised in emergency cases. All 200+ of our directly employed tradesmen are qualified in their relevant field and all covered by our employers liability insurance giving you peace of mind Our own 24/7/365 call centre, based in Bellshill, is manned by experienced call handlers trained to ensure that your potentially stressful situation is handled promptly and professionally.
  156. 156. Slide Header Our performance Saltire’s performance consistently remains higher than the national average
  157. 157. Slide Header Our services We offer a one stop service for all your home repairs, services and maintenance. From a new boiler to a faulty power socket our team of fully qualified, expert tradesmen are on call to ensure you receive a fast, reliable, professional and friendly service GAS: no heating or hot water, water leaks, pressure faults, gas leaks from boiler/pipework, full heating installations, annual servicing, LGSR’s and many more……. ELECTRICAL: full rewires, new and existing sockets, internal/external lighting, switches, cookers, fuse boxes, electric heating, smoke alarms PLUMBING: leaking taps, burst pipes, hot water cylinders, immersion heating, blocked showers, baths, sinks and drains, WC and water tank overflows JOINERY: broken windows, locked out, cupboards, skirting boards, new doors and surrounds, shelving, fencing, fire surrounds and suites HANDYMAN: brickwork repairs, tile repairs, sealing, grouting & silicone, plaster work touch up, paintwork touch up, garden clearance COMMERCIAL: installation and servicing of air heaters and radiant tubes, renewable installations, hot water cylinders, no heating or hot water, water leaks, annual servicing, LGSR’s All landlord certification in compliance with Scottish housing regulations
  158. 158. Slide Header Landlord cover Insure your property from any boiler or central heating breakdowns £9.24: annual boiler service, priority breakdown call line, 24hr UK call centre, gas safe registered engineers on call 24/7, priority response. We get to you in the same day, cover extends to your whole heating system, preferential labour charges, landlord safety certificate (LGSR), four point gas fire safety check, security password scheme, no system age limitation (as long as parts are available), temporary heaters provided if you are without heating £15.18: all the above plus: free parts and labour £28.59: as above plus: NICEIC registered electrical engineers on call 24/7, emergency cover for plumbing and drains, emergency cover for electrical wiring
  159. 159. Slide Header What can we do for you? We firmly believe in creating a strong partnership with our clients, with good communication as the key element in this. 24/7/365 contact centre dedicated phone line to contact centre service management system ensures jobs are planned effectively and your customers get the reliability and professionalism you expect finance and funding available for new boiler and heating installations (T&Cs apply) insulation measure funding available (T&Cs apply)
  160. 160. Sessions now available to attend Scottish Letting Day Biosphere Green: Tribunal know how for landlords Biosphere Blue: Taster training for letting agents – meaningful CPD 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. Scottish Letting Day 2019 Thank you for coming See you next year Sponsors: Scottish Letting Day

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