Risk and Innovation Needed for Scotland’s Housing

The modern world seems to be all about risk. We analyse it endlessly, look at risk aversion so we don’t face it all and then mitigate against all the risks we can think of for our businesses.  The construction and house building sector is no different to any other in that respect and possibly takes …

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Lets Talk with Rory Cowan

Partner at Bannatyne, Kirkwood, France & Co (BKF & Co) Rory Cowan, features on episode 55 of Lets Talk. Rory talks about the history of the company and the services that they specialise in, as well as what led him to focus on practising property law. With all the changes in private rented sector legislation …

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Remote Work Challenges and Solutions

After a couple of turbulent years, today we can evaluate the significant changes that have taken place in the workplace. The scenarios we have lived through made employers and workers look for new digital solutions that helped them overcome the challenges posed by a global pandemic. The biggest transformation, facilitated by digitalisation, was the tendency …

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Questions Frequently Asked by Landlords

What are the requirements for a buy-to-let property? You’ll need a deposit of around 25%, although some lenders will consider 20%. The deposit amount is based on the valuation or the purchase price – whichever is lower. The loan amount is usually dictated by loan to value and a ‘rental stress test.’ In broader terms, …

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Repair or Not to Repair? Thoughts for Landlords with Communal Ownership Properties

Tenement repairs cover a huge range of topics, and it can be a complicated and scary subject to delve into… made more prominent by the Scottish Parliamentary’s Working Group who have submitted proposals to Parliament to have the following issues considered under law: Include tenement condition as part of improvements to home reports and develop …

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5 Things to Know about Self-Factoring

In Scotland, property owners have a duty to maintain the common areas of their property (chief amongst which, the roof) and that’s not an easy task. Many shared blocks – “tenements” in legalese, whether or not they are the old-style tenements you’re thinking about – have fallen into disrepair due to owners not paying sufficient …

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