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Property Investment, Investment
Expanding Your Property Portfolio in the UK – Why Scotland Should Be Your Next Investment
Expanding Your Property Portfolio in the UK – Why Scotland Should Be Your Next Investment Building a property portfolio is a strategic way to secure financial growth, diversify investments, and generate steady rental income. As a seasoned investor or someone looking to dive into the property market, you know the importance of choosing the right locations to enhance your portfolio’s value and resilience. Today, we want to share why expanding your property portfolio in the UK, particularly in Scotland, is a savvy move. At Cairn, we are the leaders in Scottish property investments, and we’re here to guide you through the key benefits of incorporating Scottish assets into your portfolio. The Advantages of Building a Property Portfolio Diversification of Investment One of the primary benefits of building a property portfolio is diversification. By spreading your investments across different properties, you mitigate risk and enhance potential returns. Diversification ensures that if one market segment underperforms, others may balance out your overall portfolio performance. Steady Rental Income A well-constructed property portfolio can provide a reliable source of rental income. This income stream can be reinvested into further property acquisitions or used to support other financial goals. Ensuring your properties are in high-demand locations, such as prime areas in Scotland, maximizes occupancy rates and rental yields. Capital Growth Potential Real estate is generally a long-term investment, and over time, property values tend to appreciate. By selecting properties in regions with strong economic growth and development, you can significantly enhance your portfolio’s capital growth. Scotland, with its vibrant cities and attractive countryside, offers excellent opportunities for property value appreciation. Why Scotland? Strong Rental Market in 2024 Scotland boasts a robust rental market, particularly in cities like Edinburgh, Glasgow, and Dundee. These cities are home to large student populations and young professionals, ensuring a steady demand for rental properties. Property investment reports consistently rank Edinburgh and Glasgow among the top five UK cities for investors. A recent Colliers report, as cited in this article, placed these Scottish cities at the top of their list, with Edinburgh ranking first and Glasgow second. At Cairn, we specialise in managing tenanted properties, ensuring you maximise rental income from day one. Economic Stability and Growth Scotland’s economy is diverse and resilient, with strong sectors in finance, technology, education, and tourism. This economic stability supports sustained property demand and value growth. Investing in Scottish properties means tapping into a stable and growing market. Attractive Yields Scottish properties often offer higher rental yields compared to other parts of the UK. This is particularly true for Houses in Multiple Occupation (HMOs), which are a popular investment choice. HMOs spread risk across multiple tenants and can significantly boost your rental income. Cairn provides comprehensive HMO development services, ensuring your properties meet regulatory standards and deliver optimal returns. Scenic and Desirable Locations From the historic charm of Edinburgh to the bustling energy of Glasgow, and the picturesque landscapes of Dumfries & Galloway, Scotland offers diverse and desirable locations. These areas not only attract long-term tenants but also provide excellent potential for holiday rentals, further diversifying your income streams. Key Considerations for Expanding Your Portfolio in Scotland Due Diligence Before making any investment, thorough due diligence is crucial. Evaluate potential properties for their commercial value, rental demand, and any risks involved. At Cairn, we conduct comprehensive market analysis and site evaluations to help you make informed decisions. Understanding Local Regulations Property investment in Scotland requires knowledge of local regulations, particularly for HMOs and rental properties. Our team at Cairn is well-versed in Scottish property laws and licensing requirements, ensuring your investments are compliant and optimised for success. Market Trends and Developments Stay informed about local market trends and planned developments that could impact property values. Infrastructure improvements, new amenities, and urban regeneration projects can significantly enhance the attractiveness of your properties. We keep our finger on the pulse of Scottish property markets to provide you with up-to-date insights. Partnering with Cairn for Your Property Portfolio Choosing Cairn as your partner in property investment means leveraging our extensive experience and local expertise. We offer a personalised approach, tailored to meet your specific investment goals and needs. Our services include: Land Acquisition and Site Evaluation: Identifying prime sites for development or investment. Comprehensive Project Management: From planning and design to construction and refurbishment. Financial Planning and Budgeting: Ensuring your projects stay on track and within budget. Ongoing Property Management: Maximising rental income and maintaining property standards. Get in Touch for a Confidential Consultation Ready to take your property portfolio to the next level? Investing in Scotland offers unparalleled opportunities for diversification, steady rental income, and significant capital growth. At Cairn, we provide private, confidential consultations to discuss your investment goals and how we can help you achieve them. For more information and to start your journey towards a successful property portfolio in Scotland, contact us today. Let’s make your property dreams a reality with Cairn, the leaders in Scottish property investments.
Property Investment, Edinburgh, Property Development
Transform Your Property with Expert Refurbishment in Edinburgh
Unlocking Potential – The Power of Property Refurbishment in Edinburgh Edinburgh’s Unique Property Landscape Edinburgh, a city celebrated for its stunning historical architecture and vibrant cultural scene, offers a diverse property market. From Georgian townhouses in New Town to Victorian villas in Morningside, the city’s buildings are as rich in history as they are in investment potential. Property refurbishment in Edinburgh is not just about preserving the past; it’s about adapting these unique spaces to meet modern living standards, enhancing their value, and securing their legacy. Why Invest in Property Refurbishment? Refurbishing a property in Edinburgh goes beyond aesthetic enhancement. It’s an investment strategy that can significantly increase property value and marketability. Here are compelling reasons to consider a refurbishment: Increased Property Value – Strategic renovations can boost your property’s market value. A well-planned refurbishment that improves functionality and aesthetics can make your property more appealing to buyers and tenants, driving up its worth. Energy Efficiency – Upgrading heating systems, insulation, and windows not only contributes to environmental sustainability but can also reduce energy costs, a selling point for future occupants. Preservation Meets Modernity – Combining the historic charm of Edinburgh properties with contemporary conveniences can create unique, highly desirable living spaces. Did You Know? Conservation Areas – Edinburgh is home to several conservation areas, where properties are subject to specific regulations to preserve their historical and architectural significance. Refurbishing a property in these areas can add unique value but requires expert navigation of planning permissions. Rising Demand for Functional Spaces – The recent shift towards remote work has increased the demand for properties with flexible, functional spaces. A refurbishment that includes creating home offices or adaptable rooms can significantly enhance a property’s appeal in today’s market. Cairn Estate Agency – Your Partner in Property Refurbishment Cairn Estate Agency specialises in transforming Edinburgh properties, combining our deep understanding of the local market with a keen eye for design and functionality. Whether it’s a comprehensive overhaul or targeted updates, our team provides tailored refurbishment services to meet your goals and budget. From Vision to Reality – Our Process Our approach to property refurbishment is meticulous and collaborative. We start with your vision, considering the property’s character, your objectives, and the latest market trends. Our services include: Design and Planning – Crafting refurbishment plans that maximise space utility, aesthetic appeal, and market value. Navigating Regulations – Expert guidance through Edinburgh’s planning permissions and regulations, ensuring your refurbishment meets all legal requirements. Quality Execution – Overseeing the refurbishment process with a network of skilled craftsmen and contractors, ensuring high-quality finishes and timely completion. Are you ready to unlock the full potential of your Edinburgh property? With Cairn Estate Agency, embark on a refurbishment journey that enhances value, preserves character, and meets modern demands. Whether aiming to sell, let, or simply upgrade your property, our expert team is here to guide you every step of the way. Contact us today to discover how we can transform your property into a standout investment.
Property Investment, Glasgow, Investment, Landlords, Letting, Property Development, Property Management
Leading Glasgow’s Property Scene – Why Cairn Estate Agency Reigns Supreme
Leading Glasgow’s Property Scene – Cairn Estate Agency’s Unmatched Expertise The Cairn Difference, Beyond Property Management What sets Cairn Estate Agency apart is not just our comprehensive array of services but the depth of our expertise and our unwavering commitment to tailoring our approach to suit the unique needs of each client. From savvy HMO management that maximises returns in a city teeming with students, to navigating the nuanced Glasgow letting scene, selling with strategic prowess, or offering the innovative Cairn BNB service, Cairn is the epitome of property mastery. HMO Mastery – A Class Apart In Glasgow’s dynamic market, HMOs present a golden opportunity. Cairn’s mastery over HMO management is unparalleled, blending regulatory expertise with operational excellence. We transform complexity into profitability, ensuring your HMO investment thrives. Letting Services – Precision Personified Our letting services are a testament to our belief in precision. We match properties with the right tenants and ensure every aspect of the letting process is managed flawlessly, reflecting our deep understanding of what Glasgow landlords and tenants need. Sales Strategy – Selling Smarter, Not Harder Selling a property is an art, and Cairn has perfected it. Our strategies are backed by market insights that only a West End-based agency can possess, ensuring that when you sell with Cairn, you’re not just listing your property; you’re making a statement. Cairn BNB – Redefining Short-term Letting The short-term rental market is booming, and Cairn BNB is at its forefront. By merging the flexibility of short-term lets with our hallmark professionalism, we’ve created a service that maximises earnings while maintaining the highest standards of property management. Why People in Glasgow Trust Cairn Cairn isn’t merely a property agency; to many in Glasgow, we’re a cornerstone of the community. Our spot on Gibson Street, right in the life-filled West End, goes beyond geographical convenience—it’s where our heart is. It’s where every day, we’re inspired by the city’s hustle and our neighbours’ dreams. Choosing Cairn means you’re not just getting a property expert; you’re gaining a friend with an insider’s view of the Glasgow property scene. Our team, as diverse and dynamic as Glasgow itself, is committed to supporting every client’s journey, whether it’s finding a first home, investing in property, or managing a portfolio. Cairn and Glasgow – Growing Together Glasgow’s property landscape is as dynamic and spirited as the city itself, brimming with opportunities for those ready to seize them. At Cairn, we’re not just moving with the times; we’re looking ahead, imagining the possibilities, and making them realities. Our passion for innovation keeps us at the forefront, whether it’s embracing the latest trends in property management or exploring new investment opportunities. As Glasgow evolves, so does Cairn, steadfast in our mission to be more than your property agency—we’re your partners in building a brighter future in this vibrant city. Whether you’re venturing into the world of HMOs, looking to let, sell, or manage a property, or explore the lucrative realm of short-term rentals, Cairn Estate Agency is your ultimate partner. Located in the vibrant heart of the West End on Gibson Street, our doors are always open for you to discover how we can turn your property ambitions into achievements. Reach out today and let Cairn start you on your path to property success in Glasgow.
Property Investment, Investment
Scottish property investment opportunities
Unlocking Opportunities in Scottish Property Investment Scotland’s property market presents a wealth of investment opportunities, marked by its stability, growth potential, and diverse range of options. Cairn Letting & Estate Agency, with its deep-rooted expertise in this sector, is perfectly positioned to guide investors through the intricacies of Scottish property investment. Why Invest in Scottish Property? The Scottish property market offers unique advantages for investors. It’s characterised by a balance of traditional and modern properties, stable growth in property values, and a consistent demand driven by its rich culture, history, and economic opportunities. This makes Scotland an attractive location for both domestic and international investors. Key Areas for Investment Scotland boasts several promising regions for property investment. Cities like Edinburgh, Glasgow, and Aberdeen offer different prospects, from high-end residential properties to commercial and student accommodations. Each area has its unique appeal, and understanding these local market dynamics is crucial for successful investment. Navigating the Investment Process Investing in Scottish property requires a thorough understanding of local regulations, taxation, and market trends. This is where Cairn’s expertise becomes invaluable. We provide investors with the necessary insights and guidance to navigate these aspects confidently, ensuring compliance and optimising investment potential. Cairn’s Unique Approach to Property Investment At Cairn Letting & Estate Agency, we don’t just offer advice; we provide a comprehensive investment strategy tailored to each client’s needs. Our approach includes thorough market analysis, property sourcing, and management services, ensuring that every investment is well-informed and geared towards long-term success. Our local knowledge and market insights are unmatched, making us an ideal partner in Scottish property investment. The Scottish property market offers diverse and lucrative investment opportunities. With Cairn Letting & Estate Agency, you have a partner who brings expertise, local knowledge, and a tailored approach to your property investment journey. If you’re considering investing in Scottish property, reach out to our team for a consultation that could pave the way to your investment success.
Property Investment, Buy To Let, Edinburgh, Glasgow, Investment, Landlords, Properties For Sale
Off-Market Property Opportunities – Scotland
Off-Market Property Opportunities – Scotland Scotland’s property market has always been dynamic, attracting investors with its rich history, diverse property types, and strong potential for capital growth. But beyond the traditional real estate listings and public auctions, lies a niche yet fruitful avenue for investors: off-market property opportunities. Why Consider Off-Market Property Opportunities? Exclusivity: Off-market deals offer a distinct advantage in terms of exclusivity. You’re getting access to properties that aren’t advertised publicly, giving you a competitive edge in a market as vibrant as Scotland’s. Flexibility in Negotiation: Without the pressures of public listing deadlines and open viewings, both buyers and sellers in the off-market realm can enjoy more relaxed timelines and potentially more favourable terms. Discreet Transactions: Some sellers prefer off-market sales for the sake of privacy, ensuring that the sale doesn’t attract undue attention. Potential Value: Because off-market properties might not have been dressed up for sale, they might be priced more realistically. With the right investment in refurbishment and development, there’s potential for significant capital appreciation. Cairn: Leading the Way in Off-Market Opportunities For those considering venturing into Scotland’s off-market property sector, Cairn positions itself as a trusted partner with deep connections and experience. Their longstanding reputation and presence in the sector has led to direct approaches from sellers, which means they’re often privy to some of the most attractive & appealing off-market deals available. Furthermore, Cairn’s well-established relationships with property professionals can provide access to off-market opportunities that might not be available through other channels. Stats and Insights on Scottish Property Market: According to the Scottish Government’s Quarterly Housing Market Review (source: Scottish Government, 2022), there has been a noticeable increase in the demand for residential properties, which has inadvertently pushed some sellers and investors to look at alternative methods of transaction, such as off-market sales. This trend not only highlights the dynamic nature of Scotland’s property market but also underlines the benefits of off-market opportunities, where exclusivity and discretion can lead to a better arrangement for both buyer & seller. Conclusion: As Scotland’s property market continues to evolve, off-market opportunities present a unique proposition for investors seeking exclusivity, value, and flexibility. And with Cairn at your side, you’re not only getting access to these opportunities but also the assurance of working with a partner who knows the ins and outs of this distinct segment of the market. Whether you’re an experienced investor or just starting out, diving into the world of off-market properties in Scotland with Cairn’s guidance could be your next strategic move. Explore our Investment Services Page.
Property Investment, Edinburgh, Glasgow, HMO licensing, HMO Properties, Landlords, Student Accommodation
HMO Planning with Cairn
HMO Planning with Cairn House in Multiple Occupation (HMO) regulations are stringent, and for a good reason. They ensure that properties are safe, habitable, and managed correctly, especially when rented out to multiple, unrelated tenants. Navigating this terrain can be challenging, particularly given the intricate legalities around HMO. However, with Cairn, a trusted authority on HMO in Edinburgh, Glasgow, and Central Scotland, you’re in capable hands. Here’s why. Licensing Expertise: To rent to three or more unrelated individuals, a landlord must obtain an HMO licence. This process involves an intricate application procedure, including property inspections and compliance with safety regulations. With Cairn’s comprehensive service, landlords can ensure that they achieve a full three-year licence, renewed timely, and maintain a stellar property history, critical for successful inspections. Safety First – The HMO Certificate: Safety is paramount in any HMO property. Cairn ensures landlords have the necessary certifications – from the Energy Performance Certificate to the Landlord Gas Safety Certificate and Fire Risk Assessment. Not only does Cairn aid in obtaining these documents, but they also provide vital training for tenants on safety equipment, ensuring compliance with both HMO and Fire Scotland requirements. Seamless Tenant Transition: From vetting potential tenants to ensuring they have a comprehensive understanding of living in an HMO property, Cairn manages it all. This involves industry-standard checks, gathering references, and detailed tenant training sessions covering everything from fire safety to using appliances and maintaining HMO safety requirements. Continuous Oversight: Cairn’s dedication doesn’t stop post move-in. Throughout the tenancy, they conduct quarterly inspections to ensure the property remains in optimal condition. Furthermore, Cairn revisits fire safety training, ensuring tenants are always updated on safety measures and any new legislation. Quality Maintenance: Given the nature of HMO properties, wear and tear can be more prominent. Cairn boasts a reliable and efficient in-house maintenance team, ensuring swift and affordable repairs, keeping properties in their prime. HMO Letting Management: HMO properties, particularly student accommodations, often yield higher returns. However, they are also subject to stricter controls. Cairn’s deep-rooted expertise ensures properties are not just compliant but are also refurbished in a way that maximises both compliance and rental yield. Comprehensive HMO Development Services: Beyond letting management, Cairn offers a suite of HMO development services. From assessing properties for HMO compliance to procuring planning permissions and overseeing refurbishments, Cairn’s specialists guide landlords at every step. In Conclusion: The world of HMOs is complex, but with a seasoned partner like Cairn, navigating becomes a breeze. Whether you’re a seasoned landlord or just venturing into the HMO scene, Cairn’s comprehensive suite of services ensures you’re always ahead of the curve, delivering quality and compliant housing solutions. If HMO planning is on your horizon, there’s no better companion than Cairn. Explore our unparalleled services and make your HMO journey seamless, learn more about our HMO Property Services
Property Investment, Buy To Let, Edinburgh, Investment, Landlords, Portobello
Tips for overseas investors in Edinburgh property
Tips for Overseas Investors in Edinburgh Property Edinburgh, with its rich history and vibrant culture, is not just a prime tourist destination; it’s also a hub for overseas property investors. Whether you’re a seasoned investor or just beginning to explore opportunities in the Scottish capital, it’s crucial to have a deep understanding of the local property market. With that said, Cairn Estate & Letting Agency, with years of experience and unparalleled knowledge of the Edinburgh property scene, shares essential tips for overseas investors. Understand Your Investment Objectives: Before delving into the market, it’s paramount to outline clear objectives for your property investment. Are you looking for capital growth, or is your primary focus the yield expectation? Ideally, you are evaluating the required landlord time commitment, be it HMO or traditional single let. Defining these objectives will shape your investment journey. Leverage Expert Market Analysis: The property market is driven by trends, and having expert analysis at your fingertips can make all the difference. Using industry information portals, Cairn offers in-house and dedicated subscription data on property prices and market trends, ensuring that overseas investors are equipped with the most recent and relevant data. Capitalise on Established Industry Connections: One advantage of partnering with Cairn is the agency’s industry reputation, leading to direct approaches from sellers. They have nurtured relationships with property professionals, opening the doors to “off” market opportunities that might be hidden from the average investor. Stay Updated: The property market is dynamic, with prices, trends, and opportunities shifting frequently. Cairn aids its investors by providing monthly property list updates and reviews of client objectives, ensuring that every decision made aligns with the latest market insights. Weigh Opportunities against Your Investment Profile: It’s not just about identifying opportunities; it’s about recognising the ones that align with your investment profile. From development appraisals to capital growth estimates and rent and yield predictions, Cairn ensures that each opportunity resonates with the client’s specific objectives. Navigate the Development and Project Management Maze: For those looking to invest in property development, navigating the maze of local authority consents, cost tenders, and contractor appointments can be daunting. Cairn simplifies this process, offering comprehensive services that encompass everything from project assessment to site inspections and reporting. In Conclusion: Investing in Edinburgh’s property market from overseas can be both rewarding and challenging. By enlisting the expertise of Cairn Estate & Letting Agency, overseas investors can access the industry insights, connections, and tailored services needed to transform challenges into opportunities. Whether you’re considering a single buy-to-let property or aiming to expand a diverse portfolio, Cairn stands as the ideal partner in your Edinburgh property journey. For more insights into the Edinburgh property market and tailored guidance for overseas investors, contact one of our friendly property investment professionals.
Property Investment, Buy To Let, Edinburgh, Glasgow
Discover Profitable Opportunities: Property Portfolios for Sale in Glasgow & Edinburgh
Off-Market Property Portfolios for Sale in Glasgow & Edinburgh Property investment has long been a popular and lucrative business venture, and within the thriving cities of Glasgow and Edinburgh, this is no different. Cairn boast an array of property portfolios for sale, presenting investors with countless opportunities to build a diverse and profitable investment portfolio. With a combination of traditional and modern properties available, investors can choose from a diverse range of residential properties to suit their investment objectives. In recent years, Glasgow and Edinburgh have experienced significant growth in the property market, with high demand for rental properties. This makes it an ideal time for investors to consider buying a property portfolio in these cities. As well as offering a range of attractive investment opportunities, purchasing a property portfolio with Cairn in Glasgow and Edinburgh can provide a long-term investment strategy, as the market continues to flourish. Contact Cairn Estate and Letting Agency for property portfolios currently for sale and to be added to our investor off-market opportunities mailing list. The advantages of investing in property portfolios Investing in a property portfolio offers numerous advantages over purchasing individual properties. One of the primary benefits is the potential for diversification, as a portfolio allows investors to spread their risk across multiple properties. This means that if one property underperforms, the impact on the overall portfolio is minimised. In addition, investing in a property portfolio can provide a steady and reliable source of rental income. By owning a range of properties in different locations and catering to various tenant demographics, investors can benefit from a more stable and consistent rental income stream. This can be particularly appealing for those looking to generate a passive income or supplement their retirement savings. Key factors to consider when buying a property portfolio When considering a property portfolio for sale, there are several key factors that investors should take into account. These include: Location: The location of the properties within the portfolio is crucial, as this can have a significant impact on rental demand, capital growth, and overall investment performance. Investors should research the local property market, considering factors such as employment opportunities, local amenities, and transport links. Property type: The type of properties included in the portfolio is also important, as different property types can offer varying levels of risk and return. Investors should consider their investment objectives and risk tolerance when evaluating the property types within a portfolio. Tenant profile: Understanding the target tenant demographic for the properties within a portfolio can help investors to gauge rental demand and potential rental income. Factors such as local employment opportunities, schools, and universities can influence the types of tenants attracted to a property. Rental yield: The rental yield – the annual rental income as a percentage of the property’s value – is a key indicator of a property’s investment potential. Investors should aim for a rental yield that meets or exceeds their investment objectives and should compare the rental yield of a portfolio with other similar properties in the area. Capital growth potential: While rental income is important, investors should also consider the potential for capital growth, as this can significantly impact the overall return on investment. Factors such as local property market trends, infrastructure developments, and regional economic growth can influence capital growth potential. Assessing the value of an investment property portfolio for sale Evaluating the value of an investment property portfolio for sale is a critical step in the investment process. Investors should carefully analyse the financial performance of the portfolio, considering factors such as rental income, operating costs, and potential capital growth. A thorough property inspection should also be conducted, assessing the condition of the properties within the portfolio and identifying any potential maintenance or repair issues. This can help investors to gauge the potential costs associated with owning the portfolio and inform their decision-making process. Finally, investors should consider the potential for future growth within the local property market, taking into account factors such as demographic trends, infrastructure developments, and economic growth forecasts. This can help to determine the long-term potential of the portfolio and identify any potential risks or challenges. Managing and growing your property investment portfolio Successfully managing and growing a property investment portfolio requires careful planning and ongoing attention. Investors should consider engaging the services of a professional property manager to help oversee the day-to-day management of the portfolio, including tenant relations, rent collection, and property maintenance. Regular portfolio reviews should also be conducted, assessing the performance of individual properties and identifying any potential areas for improvement. This may include strategies such as refinancing, property improvements, or adjusting rental rates to maximise rental income and capital growth. Finally, investors should continually monitor the local property market and stay informed about potential investment opportunities. This can help to identify new properties to add to the portfolio, enhancing diversification and ensuring the continued growth and success of the investment. Expert advice and support for property investors For those considering investing in a property portfolio in Glasgow and Edinburgh, seeking expert advice and support can be invaluable. Property investment professionals can provide guidance on market trends, investment strategies, and financing options, helping to ensure that investors make informed decisions and maximise their investment potential. If you’re ready to explore property portfolios for sale in Glasgow and Edinburgh, contact Cairn Estate and Letting Agency to discuss investment portfolios we have for sale and to be added to our investor off-market property mailing list. With expert advice and support, you can confidently navigate the investment process and discover the potential of property portfolios in these thriving Scottish cities.
Property Investment, Landlords
Landlords, Worried about Rent Arrears ?
Landlords, are you worried about rent arrears? Do you have a rental property where the tenant is in rent arrears? Are you worried that your agent is not doing all they can to recover the rent or follow the legal process? Are you managing the property yourself and are unsure of what is legally required before you can start eviction proceedings? Not to worry, Cairn is on hand to assist with all your rental worries! With the ‘Cost of Living Crisis’, more and more landlords are finding themselves in difficult situations where the tenant cannot afford to pay rent or is refusing to. The eviction ban is also impacting landlords leaving many feeling helpless with little options available to them. So, what can you actually do? Firstly, if the tenant is struggling to pay rent, you should try to work with them as much as possible to arrange a payment plan. Cairn currently provides an income and expenditure form to our tenants which allows them to work out their incomings and outgoings each month to establish what disposable income they have leftover for the repayment of debt. It is also important to make your tenant aware of all the additional help available to them, including contacting Citizens Advice, Universal Credit, the Scottish Welfare Fund, and the Discretionary Housing Payments through the Scottish Government. If there is a Guarantor in place, make sure you contact them as they will also be responsible for the payment of rent per the terms of the tenancy agreement. Conducting inspections is also important, this allows you to establish that the tenant is still residing in the property and maintaining it to a reasonable standard. If you have exhausted all avenues above and the tenant is still refusing to pay, unfortunately the only option left is to start eviction proceedings. With the current eviction ban, tenants must be in substantial rent arrears (6 months plus) for an eviction order to be granted. Landlords must firstly serve notice on the tenant to vacate and ensure they are complying with the governments ‘pre-action requirements’ for rent arrears. What are ‘pre-action requirements?’ As a result of changes to legislation, any landlords applying to the First-tier Tribunal to evict their tenants for rent arrears need to be able to demonstrate that they have complied with pre-action requirements outlined by the Scottish Government. Before applying to the tribunal, a landlords must: 1. Provide to the tenant clear information relating to: the terms of the tenancy agreement, the amount of rent for which the tenant is in arrears, the tenant’s rights in relation to proceedings for eviction (including the pre-action requirements set out in this regulation), and how the tenant may access information and advice on financial support and debt management. Make reasonable efforts to agree with the tenant a reasonable plan to make payments to the landlord of: future payments of rent, and the rent for which the tenant is in arrears. Give reasonable consideration to: any steps being taken by the tenant which may affect the ability of the tenant to make payment to the landlord of the rent arrears within a reasonable time, the extent to which the tenant has complied with the terms of any payment plan agreed, and any changes to the tenant’s circumstances which are likely to impact on the extent to which the tenant complies with the terms of any payment plan agreed. Cairn currently has a strict rent arrears process in place which includes template letters for staff to send to tenants, complying with the above legislation. What happens at the end of the notice period? If the tenant does not vacate the property, you will be required to apply to the Housing and Property Chamber, First-tier Tribunal for Scotland for an eviction order. This involves completing application paperwork, providing evidence of the eviction ground and also demonstrating that you have complied with the pre-action requirements. Before submitting the application, you will also need to issue a section 11 notice to the local authority. During the application, the landlord / representative will also need to attend one or more case management discussions with the Tribunal before any order is granted. It is important that landlords have a strong case at the Tribunal as legal members are required to now conduct a ‘reasonableness’ test on the tenants and landlords’ circumstances before granting or rejecting eviction applications. This process can be very time-consuming and complicated, especially if defended by the tenant, landlords can defend themselves at hearing, but many do employ the services of a lawyer to act on their behalf. Landlords can also apply to the Tribunal for an ‘order of payment’ for the debt owed by the tenant. Again, this involves submitting application paperwork along with the required evidence and attendance at one or more case management discussions. At Cairn, we have an in house Compliance Manager on hand to assist landlords with eviction and civil applications at the Tribunal. Should you wish advice or more information on this service please email enquiries@cairnletting.com
