Scottish Letting Day 2019 - Ozone

Scottish Letting Day 2019
Conference and exhibition 12 November 2019
Sponsors:
Scottish Letting Day
Ozone sessions

John Blackwood introduction video
Sponsors:

Property letting after the
world changed
David Morrison, EQ Accountants

Owning property…
and then the world changed
David Morrison
Head of Taxation, EQ Accountants LLP
12 November 2019

• 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

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

The tax upsides of owning property
There is no National Insurance on property!

What does the future hold for
property taxation?

Future anticipated principles
•low Corporate Taxation (17% or lower)
•high personal taxation (40% to 45% or higher)
•ADS & CGT “surcharges” to remain

• 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

• 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

• 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?

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

Financing complex
buy to lets
Holly Hynd, Paragon Bank

Buy-to-let
Holly Hynd
Regional Manager
November 2019

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

25Agenda
Paragon portfolio vs non-portfolio
Generic criteria
Complex buy-to-let (HMOs and MUBs)
PRA stance
Limited companies
Forward funding facility
New products

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 ✔ ✔

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

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

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

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.

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

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

33New products
Expats, holiday lets and short term finance

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

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

36Ex-pats
Acceptable countries of residence

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

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

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

40Drop by our stand
Pop by our stand to chat further with me & James (3MC)

Sessions now available to attend
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

Demystifying legionella
Kevin Dempsey, Legionella Edinburgh

Demystifying
Legionella
Kevin Dempsey
Legionella Edinburgh

hse.gov.uk/legionnaires/legionella-
landlords-responsibilities.htm

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'.

6. Record
1. Risk assessment
2. Remedial works
3. Inform tenants
4. Manage risk
5. Review risk assessment
What do I have to do?

Kevin Dempsey
kevin@legionellaedinburgh.com
www.legionellaedinburgh.com

A year in the life of a
tenancy deposit scheme
Mike Smith, SafeDeposits Scotland

A year in the life of
a tenancy deposit scheme
Mike Smith
TenantTeam Manager

The day-to-day
134,116
DEPOSITS PROTECTED
39,878
CALLS RECEIVED
2,588
DISPUTES HANDLED
£98M
VALUE
18,406
EMAILS RECEIVED

The day-to-day
Tenant
team
ADR
team
Client
team

An ever evolving sector
• PRT
• government review
• regulation changes

Reaching out
to all
12,317MILES TRAVELLED 2018-19

Giving back to the sector
£435,000IN FUNDING GRANTS AWARDED BY

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

Vouch – Changing the
referencing process forever
Kevin Gaskell, Vouch

What’s next?
Neil Cobbold, PayProp

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

What next?
Understand &
evaluate

Agents’ thoughts on the future:
recent technology company survey

“Traditional agencies are on
borrowed time.”
BrightSale Research, 2008
Agents’ thoughts on the future:
recent technology company survey

If you think it’s expensive to engage a
technology professional, just wait until
you’ve engaged with an amateur!

Warnings given about PropTech?

What would the labels look like
if your employees came with
warnings?

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?

01 Increase lettings leads
02 Increase conversions
03 Increase profit
Increase income

01 Increase lettings leads
Increase brand presence
1-14 vs 1-2
Permanent presence
Word of mouth
Increase income

02 Increase conversions
Sell to your differences
Staff empowerment – train, encourage, reward
Increase front-end client time
Don’t assume they know
Increase income

03 Increase profit
Upselling and cross-selling
Premium service warrants a premium fee
Increase income

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%

03 Increase profit
Upselling and cross-selling
Premium service warrants a premium fee
Be indispensable
You are not a charity
Increase income

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.

Thank you!
www.payprop.co.uk
neil.cobbold@payprop.co.uk
020 3740 7614

Lunch is now served in the Stratosphere area
Programme resumes 13.15pm
Please visit our exhibitors’ stands
Sponsors:

Conference and exhibition 12 November 2019
Sponsors:
Tweet #LettingDay

Maximising potential
through insurance
Robert Guy, Alan Boswell

Maximising potential
through insurance

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.

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?

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

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

That’s just for starters!
Pricing flexibility
Empowered staff
Wide underwriting acceptance
Private Sector Leasing
Bespoke wordings
5*rated products

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

Our claims service
• delegated claims authority
• 25 staff
• our own loss assessor
• hand held through the process
• work for your customers, not the
insurer!

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

An introduction
to adjudication
James Garvey,
The Letting Protection Service Scotland

An introduction to adjudication
James Garvey, Head of client management
The LPS Scotland

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

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.

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

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

Ways to get in touch
Website
www.lettingprotectionscotland.com
Twitter
@LPS_Scotland

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

Support towards meeting
minimum energy efficiency
standards
Stephen McAlaney & Gordon Spowage,
Home Energy Scotland

Complying with the minimum
energy efficiency standards
12 November 2019

Contents
• who are we?
• Home Energy Scotland support
• minimum energy efficiency standards
• Energy Performance Certificates (EPCs)
• alternative approaches to compliance
• financial support
• Q&A

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

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

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

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.

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

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)

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

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)

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

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.

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)

Freeing up time for landlords
and letting agents
Joe McGuigan,
Aspray North and South Glasgow

Introduction
• my name Joe McGuigan
• the areas I cover as an Aspray appointed
representative (Loss Assessor) is Glasgow,
Edinburgh and Dundee
claims@aspray.com

Who are Aspray Limited?
What do we do?
What does the service cost the policyholder?
Introducing Aspray
claims@aspray.com

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

Award winning service provider
claims@aspray.com

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

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

Fire claim
Before After
claims@aspray.com

Continued
Before After
claims@aspray.com

Escape of water claim
Before After
claims@aspray.com

“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

Refreshments are served in the Stratosphere area
Programme resumes 15.15pm
Please visit our exhibitors’ stands
Sponsors:

How to prepare for the
coming global recession
Paul McFadden,
Paul McFadden Wealth

175
HOW TO PREPARE FOR THE
COMING GLOBAL RECESSION

179
THE OPPORTUNITY THAT IS IN FRONT OF
YOU RIGHT NOW…

181
HOW TO GAIN AN UNFAIR ADVANTAGE
AND WIN BIG IN PROPERTY

182
CREATING WEALTH THROUGH PROPERTY
➢ BUY AND HOLD
➢ BUY AND SELL
➢ TRADE
➢ CONTROL
➢ CONVERT
➢ BUILD AND RENT/SELL

183
5 CORE FUNDAMENTALS TO SUCCESS IN
PROPERTY IN UNCERTAIN TIMES

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

185
‘FEARFUL WHEN OTHERS ARE GREEDY AND
GREEDY WHEN OTHERS ARE FEARFUL’
- WARREN BUFFETT

Getting the basics right:
Gas and electrical safety
Kevin Torrance,
Saltire Facilities Management Limited

Saltire
CARING FOR OVER 70,000 HOMES
ACROSS THE UK

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

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.

Slide Header Our performance
Saltire’s performance
consistently remains
higher than the national
average

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

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

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)

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?

Thank you for coming
See you next year
Sponsors:

Scottish Letting Day 2019 - Ozone

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Scottish Letting Day 2019 - Ozone