The factor owners have been waiting for.
Slow replies. Surprise charges. Chasing your factor for answers. Owners deserve better, so we built it.
ClearFactor is a new kind of property factor for homeowners, residents' associations and developers across Scotland. Clear costs, quick answers and repairs seen through to the finish, backed by modern technology and run by people who genuinely care about your building. This is factoring the way it should have been all along.
Everything, in one place
About Us
What makes us different and how we give back.
Read more →Services
Repairs, cleaning, insurance and accounts, all under one roof.
See services →Make a Payment
Ways to pay your account and how float and arrears are handled.
View payment options →FAQs
Paying your account, the float, selling your property and insurance claims.
Read the FAQs →Contact Us
Get a quote, reach your property manager, or find our office.
Get in touch →About Us
Factoring, made clear.
We started ClearFactor because owners shouldn't have to chase their factor for answers. So we built one that works the other way round: clear invoices, quick replies, and a full record of what's spent on your building and why. We look after your common parts as if we lived in the flat next door.
What makes us different
Three things we never compromise on, and why owners are making the switch.
Transparent pricing
Every fee and commission is set out in your Written Statement of Services before we start. Nothing buried, nothing bundled.
Modern by design
While others are buried in paperwork, we use modern technology, including AI and automation, to work smarter, so more of our time goes into your building.
Local expertise
From traditional tenements to new-build developments, we understand Scottish property and the title deeds that come with it, so your building is managed properly.
CSR
Doing right by the buildings we manage and the communities around them, from day one.
Sustainable maintenance
Where options are comparable in cost, we favour materials and methods with a lower environmental impact.
Paperless by default
Statements, notices and invoices are sent by email as standard to cut unnecessary waste.
Services
Everything your building needs. One factor.
Reliable, quick and straightforward. It's what every owner should expect from their factor, and it's what you get with us. No guesswork, no chasing, just jobs done right and explained clearly.
Common repairs
Roofs, gutters, render, close lighting and stairwells. Scoped, quoted and handed to vetted local contractors, then followed through to the finish.
Cleaning & grounds
Spotless closes, tidy backcourts, well-kept gardens and bin stores, looked after through regular visits from trusted local contractors.
Buildings insurance
Block cover arranged through a specialist broker and reviewed every year, with an excellent claims handling service managed on your behalf.
Float & accounts
A float sized to your building, accounts kept properly reconciled, and your up-to-date balance whenever you ask.
Owner communication
Clear updates on everything happening at your building: notice of works before they start, progress updates along the way, and a plain-English summary by email when they're done. No chasing required.
Make a Payment
Pay your account, your way.
Simple, secure ways to pay your factoring account.
Bank transfer
Pay by BACS or online banking, using the bank details and account reference shown on your invoice.
Debit or credit card
Pay securely online by debit or credit card using the payment link on your invoice.
Payment plans
If a bill catches you out, get in touch before it's due. Short-term plans are agreed case by case.
Ways to pay
You can pay by bank transfer using the bank details and reference on your invoice, or by debit or credit card using the secure payment link on your invoice. If you pay by bank transfer, always quote your account reference so your payment is matched to your account straight away.
Invoices and your balance
Invoices and statements are sent to you by email, so you always have a copy to hand.
Not sure what you owe, or whether a payment has reached us? Just ask. Email enquiries@clearfactor.co.uk at any time and we'll send you an up-to-date balance.
Protecting yourself from fraud
Only use the bank details printed on your ClearFactor invoice. We will never email, text or phone you to tell you our bank details have changed. If you receive a message like this, don't make the payment. Email enquiries@clearfactor.co.uk to check with us first.
Payment rules
How often you're invoiced is set out in your Written Statement of Services (WSS). Depending on your building, this can be monthly or quarterly. Each invoice is due within the period stated on it.
The float is topped up when it falls below the level agreed for your building, so routine costs can still be met without delay.
FAQs
Common questions, plainly answered.
Can't find what you need? Email enquiries@clearfactor.co.uk and we'll help, or send you a plain-English guide on the topic.
Paying your account
How often will I be invoiced?
It's set out in your Written Statement of Services (WSS): monthly or quarterly, depending on your building. Need a copy? Just ask.
I've paid, but it isn't showing on my invoice.
Payments made after an invoice is produced appear on the next one, and bank transfers can take a few working days.
If you paid before the invoice date and it's still missing, email enquiries@clearfactor.co.uk with the date, amount and reference.
What if I can't pay on time?
Get in touch before the payment is due. We can usually agree a short-term plan.
What happens if an account isn't paid?
We send a reminder, then a formal notice. Only if it's still unpaid is the account referred for recovery, and interest and reasonable recovery costs may then be added.
The float and selling
What is the float?
A one-off sum each owner pays, held for the building so routine costs can be paid straight away. It's usually due with your first invoice and topped up if it runs low. It still belongs to you.
I'm selling my property. What do I need to do?
Tell us your sale date and your solicitor's details. Until we know about the sale, the account stays in your name.
We'll prepare a final account up to your date of entry and return your float once it's settled.
Repairs and insurance
How do I report damage to the common parts?
Email enquiries@clearfactor.co.uk as soon as you spot it. If it's an insurance matter, we log the claim with the block insurer, arrange any inspection and keep you updated until it's settled.
What about damage inside my own flat?
Claims for your own flat's contents go through your personal insurer. If you need the block policy documents, we can send them.
Contact Us
Talk to us about your building.
Appointing a factor for the first time, or moving on from one? Send the details and we'll come back with a written quote.
- Enquiries
- enquiries@clearfactor.co.uk
Glasgow office
205 St Vincent Street, Glasgow