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Clancy Docwra v E.On Energy Solutions – The Need for Consistency in Contracts

February 15, 2019 | Ainsley McKinlay |

The need for consistency in contracts

The recent case of Clancy Docwra Ltd v E.On Energy Solutions Ltd has highlighted the need for consistency between a contract and any additional documents appended to it. E.On appointed Clancy Docwra as a sub-contractor to excavate trenches for the installation of an underground district heating network. They had started the works when they encountered … Read More >>

Updated Model Private Residential Tenancy Agreement

February 13, 2019 | Claire Mullen |

model private residential tenancy agreement

The Scottish Government has recently published updated versions of the model Private Residential Tenancy Agreement, Easy Read Notes, and Statutory Terms Supporting Notes. This update takes account of changes to data protection laws, as well as other minor edits and clarifications. The new versions should be used going forward. You can access the updated information … Read More >>

Nine months and counting until Freedom of Information comes to the RSL sector

February 12, 2019 | Eileen Barr |

Freedom of information

On 11 November 2019 all Scottish RSLs will become subject to Freedom of Information (FOI). This will give members of the public the right to request information that RSLs hold. Whilst RSLs are currently required to respond to public requests for environmental information, the draft Order published by the Scottish Government on 08 February will mean that … Read More >>

I’ve paid off my mortgage, why do I need to discharge it?

February 6, 2019 | Ross Wallace |

Discharging a mortgage

So the day is finally here; you’ve worked hard, made years of payments and now you’ve got that all important letter from the bank/lender confirming that you have fully paid off your mortgage. So pop open the champagne, enjoy the moment and have a think about how you are going to spend that extra money … Read More >>

Evicting Criminal Tenants in 2019: What is Changing for RSLs?

February 4, 2019 | Umera Rashid |

evict criminal tenants

Registered Social Landlords (RSLs) are entitled to terminate a Scottish Secure Tenancy and recover the property where a tenant (or someone residing with or visiting them) has been convicted of a criminal offence. Provision for this is made in Ground 2 of Schedule 2 of the Housing (Scotland) Act 2001. What changes are coming into … Read More >>

First-time buyers consider Lifetime ISA for free cash

February 4, 2019 | Ross Wallace |

Lifetime ISA

As most people are aware, the government set up a very generous scheme at the end of 2015 known as Help to Buy ISAs where young people who had never owned a house before (first-time buyers) could save for a house and be given a free 25% bonus on top of their savings when they … Read More >>

There’s No Smoke Without Fire: Fire Safety Changes on the Horizon

February 1, 2019 | Umera Rashid |

Fire safety changes

The Scottish Government is due to introduce new legislation regarding fire and smoke detectors in the aftermath of the Grenfell Tower tragedy. The Housing (Scotland) Act 1987 (Tolerable Standard) (Extension of Criteria) Order 2019 is due to come into force on 1 February 2021 and will extend the ‘tolerable standard’ set out in section 86 … Read More >>

From LIBOR to SONIA – Technical Adjustment or Substantive Shift?

January 29, 2019 | Len |

Libor social housing

LIBOR (the London Inter-bank Offered Rate) is at the heart of private funding to the housing sector. Post-2022 however, banks will no longer be required to provide LIBOR quotations and thought needs to be given as to how that may affect Registered Social Landlords who have loans that continue beyond 2022 or indeed are taking … Read More >>

Equity Release Mortgages

January 21, 2019 | Katharine Smith |

Equity Release

Why consider an equity release mortgage? The average person can expect to live for around 20 years following retirement and for many people equity release is an attractive option as it offers either a lump sum or a regular income which could be used in a number of ways: To supplement your pension To pass … Read More >>