Questions

1. Can I change my property factor in Scotland?

Yes, in many cases you can change your property factor. However, the process depends on the terms set out in your title deeds or Deed of Conditions. These documents explain how a factor can be appointed or removed and what level of agreement is required from homeowners.

2. How do I know if my current factor is doing a poor job?

Common signs include:

• Poor communication or unanswered emails.
• Delays in arranging repairs.
• Unclear or excessive charges.
• Lack of transparency about spending.
• Repeated complaints that remain unresolved.

It’s important to compare the service you’re receiving against the factor’s Written Statement of Services and the Scottish Property Factor Code of Conduct.

3. Do all homeowners need to agree before changing factor?

Usually, a majority of homeowners must agree, but the exact voting requirement is set out in your title deeds. Some developments require a simple majority, while others may require a higher threshold.

4. What should I check before starting the process?

Before taking any action, you should:

1. Review your title deeds and Deed of Conditions.
2. Check any notice periods or contractual obligations with your current factor.
3. Understand the voting process required.
4. Speak with other homeowners to gauge support for a change.

5. How do I compare different property factors?

When comparing factors, ask for:

• A copy of their Written Statement of Services.
• Details of management fees and what they include.
• Emergency repair procedures.
• Communication methods and response times.
• References from similar developments.
• Information about contractor management and financial reporting.

Don’t focus on price alone — service quality and transparency are just as important.

6. Are there costs involved in changing property factor?

Potentially, yes. You may need to consider:

• Notice periods with your current factor.
• Outstanding factoring charges.
• Transfer or administration fees.
• Costs associated with setting up a new management arrangement.

Always ask both your current and prospective factor for written confirmation of any costs involved.

7. What happens to ongoing repairs if we change factor?

Ongoing repairs should be transferred to the new factor as part of the handover process. However, it’s important to ensure that:

• All repair records and contractor information are passed over.
• Outstanding invoices are clarified.
• Homeowners understand which works are complete and which are still pending.

A well-managed transition helps avoid delays or confusion.

8. Can a property factor refuse to let us leave?

A factor cannot prevent homeowners from changing factor if the correct legal process is followed. However, they may enforce contractual notice periods and seek payment of any outstanding charges before the handover is completed.

9. What if some homeowners don’t want to change factor?

Disagreements between owners are common. The key is to follow the decision-making process set out in the title deeds. If the required majority supports a change, the decision is usually binding on all owners within the development.

10. Is self-factoring a better option than appointing a new factor?

Self-factoring can work well for some developments, especially smaller ones with engaged owners. It offers greater control and potentially lower costs, but it also comes with responsibilities such as arranging repairs, managing finances, and collecting contributions from owners. Larger or more complex developments may benefit from professional management.