Money hub

Paying for repairs
Paying for repairs

Repairs are inevitable and need to be tackled quickly before more damage is caused. Ideally, you will have saved a cash reserve for such occasions. Otherwise, you will need to…

1200 800 Under One Roof
Keeping accounts
Keeping accounts

Maintaining a common bank account to hold advance payments for repairs is recommended. This account could be managed by your owners' association or property manager. Creating a Building Reserve Fund…

1200 800 Under One Roof
Common building insurance
Common building insurance

You are obliged by law to have adequate common insurance. This is to cover your share of the costs of major and expensive damage to your building. You need to…

1200 800 Under One Roof
Building Reserve Funds
Building Reserve Funds

Building Reserve Funds (also known as Sinking Funds) are a type of fund set up to pay for repairs. Key points about Building Reserve Funds all owners pay in on…

1200 800 Under One Roof
Finding the money
Finding the money

Repairs are inevitable and need to be tackled quickly before more damage is caused leading to bigger bills, possibly affecting the value of your property. Grants for repairs are seldom…

1200 800 Under One Roof

Sharing repair costs

Typical ways costs are shared
Typical ways costs are shared

Your titles may set out the share to be paid by each owner in a number of ways. The most common ways that costs are shared are by: equal shares…

1200 800 Under One Roof
Shares where flats have been enlarged or split
Shares where flats have been enlarged or split

Problems may occur where flats have been subdivided, merged, or enlarged into the loft or basement after the title deeds were drawn up. Ideally, title deeds for all flats should…

1200 800 Under One Roof
Sharing costs according to the Tenements Act
Sharing costs according to the Tenements Act

If there is nothing in your title deeds or your deeds are unworkable, follow the guidance in the Tenements Act. The Tenements (Scotland) Act says that you should share repair…

1200 800 Under One Roof
Informal changes to shares paid
Informal changes to shares paid

You and your fellow co-owners can agree to divide shares differently to what is stated in the titles. Ideally, you should all sign an agreement that you are going to…

1200 800 Under One Roof
Dealing with damage
Dealing with damage

Owners may feel aggrieved if one owner, their visitors, or tradespeople they have employed, have caused damage to the common property. Ideally, the owner concerned should pay for the damage,…

1200 800 Under One Roof

Ask for help from our team of tenement experts

Managing and maintaining a tenement building can be difficult. Under One Roof offers a free enquiry service that allows you to ask specific questions relating to your building.

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Mid ceiling

Below ground level

Your tenement may have a basement, sometimes used for living accommodation or sometimes used for storage, cellars or wash-houses. These buildings will often also have a 'dunny' between the basement…

905 800 Under One Roof

Energy efficiency improvements

Adding insulation and draught-proofing can save money and the planet but in…

2560 1707 Under One Roof

Insulating traditional solid walls

Recent research suggests that traditional solid stone or brick walls provide better…

2560 1707 Under One Roof

Flat roofs

Flat roofs can be found on buildings of all ages. They can…

406 305 Under One Roof

Asphalt flat roofs

On stone tenements, asphalt roofs are found on: 'high backs' - raised backcourt…

406 305 Under One Roof
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