SafeDeposits Scotland is working with landlords who provide student accommodation to help overcome challenges brought on by Covid-19, as the number of overseas students returning to the UK drops.
During lockdown, the not-for-profit organisation reached out to landlords and tenants to provide advice and information around changes to the sector due to the pandemic. It works closely with all landlords including those that have been impacted by the decrease in students enrolling this academic year.
The Glasgow-based tenancy deposit scheme holds deposits on behalf of landlords and agents in line with government regulations designed to ensure responsible leasing.
As the sector continues to work towards pre-Covid-19 levels of activity, SafeDeposits Scotland is urging landlords to focus on providing the best renting experience for current tenants, while considering options to diversify their future tenant base.
Mike Smith, operations manager at SafeDeposits Scotland, said: “UK universities expect to see a £2.6 billion shortfall in the next academic year due to the pandemic, with 20% of domestic students not returning to university, and 75% of overseas students not enrolling this September.
“Pre-lockdown, demand for student accommodation in Scotland was notably high. Boasting some of the UK’s top universities, it’s no surprise areas including Aberdeen, Dundee, St Andrews, Glasgow and Edinburgh experienced an influx of students each year looking for housing.
But despite the drop in numbers of students expected to enrol this year, it’s evident there’s faith in the resilience of the sector, with a number of high-profile developments announced in the past month alone.
“Two recent Edinburgh examples of long-term growth within the sector include the new 120-bed purpose built student accommodation complex set to be built at Haymarket, while Unite Student has confirmed plans for a £24 million build of student flats at Meadowbank.”
To understand the concerns of landlords in the private rented sector during these unprecedented times more clearly, SafeDeposits Scotland carried out research to find out how they have coped during lockdown and how they feel about leasing property in the new academic year.
Mike explained: “We’re confident demand for student housing will return, whether it is in the private rented sector or for purpose-built accommodation. However, until we have a clearer picture of what future academic enrolment figures are like, landlords could consider alternative ways to lease properties.
A good example is renting to young professionals that are looking to move away from home for the first time. The demands of these tenants are similar to students in the private rented sector, and it can be a way of keeping properties occupied until we know more about the future of higher education.
“We recently carried out research with our landlords that are renting to students. This revealed that almost half (43%) secured new tenancies during lockdown while almost three quarters (73%) of this group expressed concerns around what this academic year will look like for them.
“To alleviate concerns, we’ve been working closely with landlords to ensure the tenants they do have in place now have the best experience. To support, we’ve moved our face-to-face workshops online to offer free advice and information. Our Charitable Trust has also recently announced its funding towards research being carried out by the University of Stirling. This research is exploring the benefits of allowing tenants more flexibility to make a house a home.
“We believe having happy tenants leads to longer tenancies, creating more vibrant communities where people want to live. This boosts local economies and helps increase demand for rental property in that area.
“The property sector has been resilient during past economic challenges, but the full impact of the pandemic is yet to be seen. We know the government is working hard to support international students hoping to return to Scotland to continue their higher education studies. This will have a hugely positive impact for our landlords who rely on overseas students to rent their properties, and hopefully we will see the results of this work.
“In the short term, we urge landlords to implement safety guidance from the Scottish Government and manage risk wherever possible, while tenants adhere to the measures put in place.”
“Plan your walk, walk your plan” is the message Sergeant Peter Lorain-Smith of Police Scotland’s Mountain Rescue Team wants to get out at this time.
Peter said: “If you are thinking of heading to our beautiful hills and mountains, it is important to be prepared by planning the route you are going to walk and having suitable equipment and clothing, as the weather up in the hills can change quickly.
“Unfortunately we have come across examples recently of walkers not being prepared for the walks that they are undertaking, including people being on the hills without maps, torches or basic survival gear, or the skills and knowledge to use them. The message remains simple – come to the hills and enjoy them, but be prepared for all eventualities and don’t go beyond your ability.
“We do not want to put anyone off enjoying the great outdoor activities we have here in Scotland but we would ask that people plan their routes, take sensible precautions and consider whether it is safe to climb a particular route. The environment of the Scottish mountains is by its very nature an unpredictable one and it is important that people take as many precautions and plan ahead as much as possible if they are going to go climbing.
“If you do find yourself in need of assistance in the mountains because of being lost or injured then please remember to phone 999 and ask for Police then Mountain Rescue, you will be helped, but because of the COVID-19 restrictions and volume of calls, it may take longer than normal for us to get to you.
“It is also very important to have respect for the Outdoor Access Code, particularly as it relates to where and when not to park, on what can often be narrow and somewhat crowded roads at this time of year. Emergency vehicles can require access to almost anywhere and a badly parked vehicle could hinder emergency access. Use designated parking areas where possible.
Granton Information Centre are delighted to announce that we are resuming our benefits/money/debt advice outreach service at Muirhouse Medical Group from the beginning of September.
The appointments are with our advisor Kay on Wednesday afternoons and can be made by contacting the surgery directly on 0131 202 4444.
Please be aware these appointments are for those people who are registered with Muirhouse Medical Group only.
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
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.”
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.
