Transparency in Property Factoring Ep 2: Who Pays? Fabric, Factoring & the Future of Tenements

In this second special episode of Blocktalk, Brian Welsh is joined by Paul Sweeney MSP and David Doran (Vice Chair, TPI Scotland) for a wide-ranging and urgent discussion on transparency, trust, and the future of Scotland’s tenements.

Prompted by recent coverage in The Times, the conversation explores the complex questions facing homeowners, factors, and government, including who’s responsible for repairs, how costs are shared, and what meaningful reform could look like.

Topics include:

• Inherited debt and conveyancing gaps
• Sinking funds, five-year inspections, and financing long-term maintenance
• Misaligned incentives, reactive repairs, and public confidence
• The case for better transparency, regulation, and cross-sector collaboration

Whether you’re a homeowner, policymaker, or property professional, this episode offers valuable insight into one of Scotland’s most pressing housing challenges.