Tag: advice

Housing advice during Covid-19

Advice from Granton Information Centre

For many people their right to live in their own home goes along with a responsibility to make all relevant payments to a landlord (by way of rent) or a lender (in respect of mortgage repayments). 

What may seem like a (possibly just about) manageable amount to pay in good times can quickly become unmanageable and frightening when rapid, unplanned changes lead to reduced income.  Although these are challenging circumstances, help is available from different services covering issues likely to relevant, including:

Issues affecting both tenants and mortgage holders:

  • reviewing the household budget to establish how income is spent and how it could or should be spent;
  • looking at the whole picture and how to prioritise debts and spending;
  • getting a benefit check to make all relevant benefits are in payment at the right amount and identifying those for new claims;
  • developing a manageable budget including (re)payment plan;
  • assisting/guiding in communication and negotiation with lenders and creditors;
  • making claims on any relevant insurance policies;
  • assisting with the urgent emergency as it occurs;
  • looking at housing options and interaction with benefits;
  • identifying special legislative provision arising from Covid-19 which enhances individual protection such as extension of time periods for giving of notice to tenants and moratium.

Tenants in Scotland

  • gaining advice and support through repossession and eviction processes;
  • helping to understand letters, contracts and other documents;
  • awareness of relevant legislation including temporary changes that extend most periods of notice to be given to the tenant during the Covid 19 emergency;
  • assessment of reasons for a fair end of tenancy;
  • representation in Housing Tribunal or Sheriffs Court.

Mortgage payers in Scotland

  • requesting a mortgage payment holiday (usually a voluntary arrangement of up to 3 months with those mortgage arrears accrued during the holiday repaid at a later date) and checking if any impact on credit history;
  • accessing Support for Mortgage Interest (a loan to help pay mortgage interest if you have been claiming income related jobseekers,income based  employment and support allowance or  income support for at least 39 weeks or universal credit after 9 payments.  Also accessible for those on pension credit from first day of claim.
  • considering a formal debt management approach (specialist service) or revision to existing agreements where these exist;
  • seek money and/or financial advice – especially urgent if repossession process threatened/started.

If you are struggling to deal with issues like these, seek help straight away.

Granton Information Centre offers free, professional, independent advice. To find out about how Granton Information Centre can help you, telephone 0131 551 2459, 0131 552 0458 or email info@gic.org.uk

Staycation Scotland: remember key fire safety measures

The Scottish Fire and Rescue Service (SFRS) is updating its advice to business owners and dutyholders as Scotland moves into phase three of its exit from Lockdown.

As Scotland sees an increase in ‘staycation’ holidays throughout the summer months, SFRS is urging holiday letting businesses and duty holders to ensure that premises being used as rental accommodation meet the appropriate level of fire safety provisions.

Scotland’s national fire service is urging business owners and duty holders to consider the following steps:

  • Carry out a fire risk assessment for your premises or a review of your existing fire safety risk assessment as soon as possible to determine if any further actions are required
  • Ensure that you have provided the required level of automatic fire detection to safeguard sleeping occupants
  • Ensure you have provided the required level of firefighting equipment
  • Ensure that occupants know what to do in the event of an emergency
  • Check that all means of escape routes are adequately protected to allow a safe evacuation

Alasdair Perry, SFRS Deputy Assistant Chief Officer for Prevention and Protection, said: “We appreciate that businesses and dutyholders who run holiday rentals will be excited to re-open and welcome people back to their facilities in the coming weeks and months.

“As demand for accommodation will undoubtedly increase, we are acutely aware that this could place pressure on business owners – however safety from fire must remain high on their priorities.

“We are therefore asking anyone who rents out a property as a holiday let to ensure that a thorough fire safety assessment has been carried out to determine if any action is required, before welcoming any guests to your facility.

“It is also important that those visiting are kept safe and aware of what fire safety measures are in place, and they know what to do should a fire occur during their stay.

“It goes without saying that these recent months have been trying times for Scotland as a whole, but we cannot become complacent and must continue to work together to drive down the risk of fire across the country.”

Recently, SFRS has also highlighted safety and awareness guidance to ensure that social distancing and protection measures within businesses do not impact on overall fire safety; and warned against the risk posed by excess stock and packaging.

As more and more retail outlets, public areas and workplaces continue to re-open, businesses and duty-holders are advised to ensure stock rooms and fire exits do not become blocked by surplus materials to allow for safe and easy passage in the event of an emergency or fire drill.

Premises owners and operators are also asked to look at the possibility of increasing waste collections to avoid overspill, and to ensure goods are stored safely and appropriately.

DACO Perry added: “We’ve already seen some businesses and buildings reopen, but we understand for many this will be the first time they will have opened their doors for quite some time.

“We appreciate that many workplaces will have taken robust measures to protect staff and members of the public through means such as the installation of plastic screening.

“However, we would also ask that businesses consider what impact any changes or installations could have on fire detection or fire safety measures.

“For example, it is possible that screening installation, along with any increased loading or materials in the premises, may obstruct automatic fire detection apparatus such as smoke alarms.

“We would also remind people to manage their premises for excess stock and waste and to consider if this would increase the risk of a fire, or hamper fire safety measures and escape plans.

“We would also remind both staff and members of the public that one-way systems in place, installed to manage social distancing, need not be followed in the event of any emergency. If fire occurs, occupants of buildings should continue to leave by the nearest exit or emergency route as quickly as possible.”

For more advice on fire risk assessments or to speak with an officer, you can find contact details for your local SFRS fire safety enforcement office here.

Mental Health and Wellbeing Support in North Edinburgh

Local organisations have put together a booklet listing mental health & wellbeing support services in North Edinburgh (see below).

If you need support call the new Community Wellbeing Helpline on 0131 332 8773.

Heart Research UK Healthy tip – Takeaways

Heart Research UK Healthy Heart Tip, written by Dr Helen Flaherty, Head of Health Promotion at Heart Research UK

Healthier Takeaways

The number of takeaway food outlets has risen in recent years and this may have contributed to the rise in rates of obesity in the UK. Takeaway food is often cheap, convenient and tasty, but it also tends to be high in fat, salt and sugar.

Regularly consuming takeaways can have a negative impact on your heart health as well as your waistline. Swapping your usual takeaway for a healthier option may be a good way to cut down on fat, salt and sugar. We have some tips to guide you on choosing healthier takeaways.

Choose a food outlet that has healthy options on the menu

Compare the menus for takeaway food outlets and try to choose one that provides some healthier options. Some takeaway food outlets list calories on their menus and this can help you to make a healthier choice.

Choose wisely from the menu

Try to avoid foods that are deep fried, such as fish in batter, chips and fried chicken. Swap large deep-pan pizzas and pizzas with stuffed crusts for smaller pizzas. Select lower fat pizza toppings, such as mushrooms, peppers, sweetcorn, chicken and ham, rather than pepperoni or extra cheese which are both high in fat.

Keep an eye on portion size

Be careful not to buy too much food when ordering your takeaway. Instead of ordering starters, mains, sides and desserts, why not just have a main course and finish off with some fruit and yoghurt. You could share a dish or freeze a portion of your takeaway for another time to avoid eating too much.

Make your own ‘Fakeaway’ at home

Try making healthier versions of your favourite takeaway dishes at home by finding healthy recipes online. If you can’t live without your favourite takeaway dish, you could try swapping side dishes, such as chips, garlic bread, fried rice or naan bread for brown rice or wholemeal pitta bread that you prepare at home.

Think about what you drink

Rather than buying sugary drinks with your takeaway, try drinking tap water or low calorie drinks instead. If you usually have alcoholic drinks with your takeaway, try to reduce the amount you consume by having a glass of water in between each alcoholic drink and try to choose drinks that have a lower alcohol content. Not only will this reduce your calorie intake, but it may also reduce the cost.

You can find plenty more healthy tips and recipes at heartresearch.org.uk

Everything you need to know about getting a mortgage during Covid-19

Covid-19 is impacting many families and individuals in very different ways. But with so many of us spending more time at home than ever before, many people are thinking about whether they can move or extend to gain more space, or just taking advantage of lower interest rates.

The housing market is now opening up and rates are changing yet many people are unsure about whether mortgages are available for them.

TSB’s Head of Mortgages, Nick Smith answers some important questions on getting a mortgage in the current environment: 

Can I still get a mortgage in the current environment?

Yes, you can. However, getting a mortgage really depends on individual circumstances. Think about your personal situation – is your income sustainable? Are you happy with the deposit you’ve built?

If you’re planning to get a mortgage, speak to your lender or broker openly about your financial situation and they will be able to advise on the best options for you.

Can I physically view properties?

Estate agents are opening up and you should be able to do physical viewings in England. But in Scotland, Northern Ireland and Wales viewings are not yet permitted.

If you’d prefer an electronic viewing – speak to your agent, they can likely help you, although for many people, nothing can replace the sense of space and perspective you get from being physically in the property.

Can I get a valuation or survey done on a house I want to buy?

Yes, most lenders are now conducting physical valuations where electronic valuations have not been possible.

Most surveyors will be taking their precautionary measures with full PPE equipment, therefore ensuring the homeowner’s safety as well as their own.

However, more and more lenders are using electronic valuations, which are very accurate and can be done very quickly. Remember – the valuation done by your mortgage lender is to satisfy themselves that the house is a good security for your loan.

I’d always advise when buying a new house that you consider a more detailed survey for your own benefit and peace of mind. The RICS consumer guide to home surveys on their website is a useful guide to your different options.

Are first time buyers impacted more than second time buyers?

No, they’re not. It really depends on how much equity you have either as a first-time buyer or those remortgaging/buying a second property.

If you’re looking to remortgage just remember you don’t have to move to a new bank/lender. All major providers will offer a product transfer which means that you can move to a lower rate.

Is there anything I need to be aware of when applying for a mortgage in this environment?

There are a few things to bear in mind. Crucially, it’s important to think about your financial situation. Has your income changed recently? Will you be able to make payments now and in the future? When speaking to your lender/broker, provide as much information as you can about your income. Ultimately, they will want to protect you as much as possible, so that you can comfortably meet your payments and not find yourself in a financially vulnerable position.

For example, consider the following when speaking to your mortgage advisor: have you been working more overtime than normal lately? Will this continue in the future or will your hours and overtime reduce?

Most lenders will lend to those who have been furloughed but each lender will have their own lending criteria. Your mortgage advisor will be able to help with the best options for you. For more complex income circumstances, a specialist mortgage broker will be able to talk through your options.

The physical process of buying a house has also changed very slightly – there will be more social distancing for example and so it is likely a mortgage meeting will take place over the phone rather than face to face.

A mortgage meeting over the phone is easier to book in whereas face to face is a little more difficult at the moment. The Government has recently issued detailed guidance on how house viewings should be conducted with social distancing in mind.

With the rapid market changes, we’ve also seen banks responding very quickly and reintroducing higher loan to value products. At the moment, most banks have reintroduced lending up to 85% of the value of the property – so there are more mortgages becoming available again for those with a 15% deposit. Do your research and speak to your advisor about the best mortgages for you.

If I’ve been offered a mortgage is my bank obliged to offer it if my circumstances change?

No, they’re not. Offers can only be withdrawn under certain limited conditions but this includes a change in income. If your circumstances change, speak to your lender or broker as soon as possible.  It’s important to remember that they will always want to ensure you can afford repayments now and in the future and they will work with you to find the best options for you.

I’m thinking about enlarging my home to create more space – how do I get a mortgage for this?

You have three options to consider, and the best option for you will depend on a number of things, such as how much additional money you need to borrow, how much your house is worth, and whether your current mortgage is still in a period where early repayment charges apply.

Option 1: would be to speak to your existing mortgage provider about a “Further Advance” – essentially borrowing more money on your existing mortgage. This is likely to be the quickest option to get funds in your bank account, as there’s no change in lender, but you should weigh up both the convenience and the cost, as it won’t necessarily be the cheapest option.

Option 2: would be to move your entire mortgage to a new lender under a remortgage process, taking additional borrowing as part of your application. If you want to take this option, be careful to speak to your existing lender about any early repayment costs associated with your current mortgage.

Option 3: would be to take out what’s known as a “second charge” loan – this is where a new lender advances you the money, accepting that if you default on your mortgage and your house is repossessed, they only get funds from your property once the first-change lender (i.e. your main mortgage) has recovered their debts. As a result, these are usually more expensive interest rates, and are less common in the market.

If the above options don’t appeal, or if you don’t have much equity in your property, you could also consider an unsecured loan.

Whilst interest rates are usually higher than on mortgages / further advances, there is some flexibility in taking a separate unsecured loan, as long as you can afford both payments, and most mainstream lenders will offer up to anywhere between £25k and £50k as their maximum unsecured loan amount.

Do note though, repayment terms are usually shorter, so these will almost always have a higher monthly repayment.

I’m not feeling confident about buying in the current environment, what should I do with my deposit?

If you’re feeling uncertain about buying a house right now, think about when you believe you might feel ready. When thinking about where to put your hard-earned deposit, consider whether you really want it tied-up.

If there’s a chance that you might find somewhere you would love to buy in six months, then putting your deposit in a longer fixed-term savings account, where you might forfeit interest if you withdraw early, probably isn’t the right thing to do, even if it has a slightly better interest rate.

Equally, you should think very carefully before moving any of your deposit into stocks, shares or funds, where the value could go down as well as up – what if the value has decreased at a time you want to buy? Would that be a problem for you?

If so, now probably isn’t the time for that sort of investment. Speak to your bank about your options, they can assist and talk you through what is suitable for you and your circumstances.

Nick Smith, TSB’s Head of Mortgages, concludes: “The market is changing rapidly and we are seeing some confidence grow in the housing market, which will be welcome news for those eager to buy a new home or to remortgage.

“There are mortgages available, but you will need to remember to do your research and have open discussions with your mortgage advisor.”

 

Police advice for business owners

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Advice for Business Owners

#COVID19 has had an unprecedented effect on public health and the way we now socially interact. This has had a significant impact on the commercial sector.We would like to share some general crime prevention advice that may help and assist you during what is an uncertain time for all businesses.

The impact on business will vary and will naturally be defined by your business location, size, customer base, products and services offered, criminality in the area, and your existing levels of security.

If your staff fall victim to an assault or witness violence in your premises:

  • Try to remain calm and think of your safety and that of others.
  • If the perpetrator has left the premises, record accurate descriptions, including any vehicles used, and report this to the police as soon as possible.
  • Trust your instincts and maximise distance between yourself, customers, colleagues and any aggressive parties.
  • Use panic alarms if it is appropriate to do so. If there is a panic alarm installed use it, but only when safe to do so.
  • Consider the use of body worn video technology to capture evidence and positive impact the behaviour of those involved in violence on your premises.
  • Closed Premises/Venues that have been temporarily shut:
  • Test your intruder alarm, ensure it is working and fully operational.
  • Identify any vulnerable areas and rectify this if required.
  • Ensure security gates, bollards and fire exit doors have been secured prior to closure of the premises.
  • Ensure service doors are closed and locked when not in use.
  • Make sure you have list of key holders who can be contacted in times of emergency and ensure your contact details for staff are up to date.
  • Consider moving high value items into secured stockrooms and/or out of view.
  • Ensure keys to the premises or other venues are not left inside and are instead with dedicated key holders.
  • Consider timer switches or ensure sufficient lighting is left on at the premises/surrounding area.
  • Ensure there are no combustible materials left in the proximity of the building such as packaging – consider the risk of fire.
  • Review your CCTV to confirm it is operational, provides good quality images, and is positioned to cover as much of the building’s public and private areas as possible.
  • Ensure that no cash or valuables are retained on the premises overnight and leave a note indicating this on the door or window of your premises. If having to retain cash on site then do so using a security accredited safe bolted or ‘ground anchored’ to the floor.
Physical Protective Measures:
  • Use security rated products where possible. You can find information on a variety of police approved crime prevention products at www.securedbydesign.com
  • External shutters and grilles are recommended but some buildings may be subject to local authority planning approval before installation.
  • Ensure all doors leading from public to staff, service, and loading areas are kept secure and monitored.
  • Consider installation of laminated glass or apply security film to existing glass to make your windows more resistant to physical attack.
  • An insurance rated safe should be bolted to the floor. Anti-tamper sensors can be fitted to set off an alarm if attacked.
  • Anti-ram security tested (retractable) bollards can be mounted externally to protect frontages but may require local authority planning approval.
  • Consider use of anti-theft alarms on most desirable household items.
  • Fogging devices that activate as a result of an intruder activation may also be beneficial – you can’t steal what you can’t see.
Large gatherings/Queuing:
  • Premises should be adequately staffed with prominent management present who can make decisions or be identifiable to emergency services.
  • Consider an allocation system or queuing to provide items that are provided on a limited basis – or possible keeping these off shop floor for collection.
  • “Meet and Greets” on main entrances provide reassurance, customer care and can be a subliminal message to any prospective thieves.
  • Where possible SIA licensed security officers should have a visible presence on the premises in strategic areas.
  • All prominent / desirable household item areas should have a member of staff regulating them and depending on your risk assessment, consideration given to deploying security (or trained staff) into these areas.
  • Reassurance to customers, some of whom may be anxious, is key to reduce anti-social behaviour. Ensure that all staff are fully briefed each day, on emergency procedures and working practices.
  • All staff should remain vigilant and report any violence or suspicious activity to the police.
  • Consider minimising the number of entry points to your building in concert with fire exits.
  • Ensure building perimeters are clear of any debris, dustbins, ladders or loose tools and equipment that could be used to assist or force entry.
  • Check that your emergency equipment/grab bags, first aid supplies and radio communication systems are well equipped, maintained, and fully operational.
  • Check and test your building security and emergency systems regularly.
For further advice contact your local police station, local Crime Prevention Officer at EdinburghPreventandIntervent@Scotland.pnn.police.uk, or visit our website at www.scotland.police.uk

MSPs call for significant changes to debt solution

Holyrood’s Economy, Energy and Fair Work Committee has published a report on protected trust deeds citing that changes are needed to make the debt solution more effective in supporting people who are in debt.

A protected trust deed is one of three statutory debt solutions in Scotland. It involves a debtor’s assets being managed by an insolvency practitioner for the benefit of the creditors for a four-year period. During this time, part of the debtor’s income is paid to the insolvency practitioner.

Last year around 8,000 people entered a protected trust deed, 150,000 people sought debt advice and, beyond that 600,000 adults are considered to be over-indebted in Scotland.

Amongst its calls within the report, the Committee asked for changes to the way fees are charged in protected trust deeds. The current rules can see debtors making contributions but not reducing their overall debt levels for at least the first two years.

Committee Convener Michelle Ballantyne MSP said: “Now more than ever people’s finances will be feeling the strain, and some will be contemplating seeking help to clear their debts.

“A debt solution should work in reducing that person’s debt. We heard evidence which showed that fees were being frontloaded resulting in the overall debt not lowering despite payments being made. This needs to change.

“The Committee welcomes the Scottish Government’s commitment to conduct an overarching debt review. However, it is incredibly important that the Scottish Government listen to the Committees recommendations to ensure that protected trust deeds act as an effective debt solution and debtors are safeguarded from the potential harm that can be caused when things go wrong.”

The Committee also heard evidence that online advertising and social media campaigns can target people in debt, offering a solution which is not always suitable for their circumstances.

Michelle Ballantyne MSP added: “People in debt must receive the right help and advice and not choose a solution based purely on what they saw on social media that day.

“The Committee recommends tighter regulations on online advertising and believes that free independent money advice would help ensure that people make the decision right for them.”

There are three statutory debt solutions in Scotland:

Bankruptcy – All of the debtor’s assets are managed by a trustee for the benefit of creditors for a four-year period. Contributions from income will also be required, where appropriate. Almost all outstanding debts are written off at the end of the four-year period, allowing the debtor to become debt free.

Debt Payment Programme under the Debt Arrangement Scheme – Debtors make payments over an extended period of time to pay off their debts. It can last for any “reasonable” time period, but the average is around seven years. Debts are not written off, so the scheme is only available to those who can repay in full over the length of the scheme.

Protected Trust Deed – As with bankruptcy, a debtor’s assets are managed by a trustee for the benefit of creditors for a four-year period. Contributions from income will have to be sufficient to pay the trustee’s fee and provide a return to creditors. Protected Trust Deeds are seen as offering more flexibility than bankruptcy.

Informal debt solutions – Most debtors negotiate informally with their creditors to make lower repayments. These arrangements can be unstable, and do not prevent creditors from taking action to enforce their debts if they think they should be paid more.

The published report can be found here.

Are you struggling to manage debt? Free, independent advice is available. Granton Information Centre’s office on West Granton Road is currently closed to the public, but they at still here to support you.

If you have money worries, employment concerns or housing issues, or if you are claiming benefits for the first time and find it all very complicated, contact Granton Information Centre and speak to an adviser:

Telephone 0131 552 0458 or 0131 551 2459

Email info@gic.org.uk

Granton Information Centre: here to help.

Money worries? Financial support and debt advice available

29% of people in Scotland report being worried about their finances having already felt the negative impact of Coronavirus.

People in Edinburgh facing financial difficulty as a result of the Coronavirus outbreak are being encouraged to seek guidance on the help available to them.

Research commissioned by the Scottish Government in partnership with YouGov has revealed that nearly a third of people across Scotland (29%) have already felt the financial strain of the current Covid-19 outbreak and are worried about its impact.

The survey of over 1000 respondents also shows that 71% of people in Scotland are concerned about the lasting impact on their finances.

These findings follow the launch of a new campaign by the Scottish Government and the Citizens Advice network that aims to raise awareness of the financial support available to people in the Capital.

The campaign provides information and advice on issues including rent and mortgage payments, energy bills, council tax, and benefits people may be entitled to.

People throughout Edinburgh are able to access this advice online, by contacting their local Citizens Advice Bureau or getting in touch with any of the capital’s independent advice providers including Granton Information Centre and CHAI.

Cabinet Secretary for Communities and Local Government Aileen Campbell said: “There is no doubt that this is a difficult and worrying time for everyone. Today’s findings further underline the need to provide people across Scotland with the correct support, guidance and information to help them with their finances.

“We need to ensure that people are aware of the support that they are entitled to from the DWP and I would encourage everyone across Scotland who is facing financial difficulty to look into what additional help is available to them.

“That’s why we’ve been working with the Citizens Advice network in Scotland to create this central source of information – with everything from guidance on benefits, right through to what you can do if you are worried about paying your mortgage or rent.”

Adam McVey, City of Edinburgh Council Leader, said: “Work has been ramping up across Edinburgh to make sure our hardest hit citizens get the help they need. From welfare, council tax and debt support for those facing financial hardship, to food supplies for our most vulnerable families, we’ve been pooling resources to direct help to those who are in crisis.

“Our five Council Resilience Centres are providing a base for officers to work from so that they can target online and phone support for those facing hardship or worried about homelessness. And we’re building up a picture of how our most at-risk residents are impacted, so that we can develop longer-term measures through the Edinburgh Poverty Commission.

“It’s going to be so important that we work together to tackle poverty and, in these uncertain times, we know financial worries will weigh on people’s minds. Don’t suffer alone. Know that help is available and get in touch with Citizens Advice or our own Advice Shop for help.”

The Citizen’s Advice network website features dedicated COVID-19 content along with a telephone helpline. Those who have been financially impacted by the coronavirus outbreak and require free, confidential, financial support, can visit cas.org.uk or call 0800 028 1456.

Local Citizens Advice Bureaux are situated around the country. To find your local service, simply enter your postcode at cas.org.uk/bureaux
Free, professional help is also available from Granton Information Centre and Community Help & Advice Initiative (CHAI) who, along with Citizens Advice Edinburgh, deliver debt advice across the capital.
For more information, check out the city council’s advice pages on welfare support, financial worries and debt information.