Charles White Limited

Charles White, property factoring for homeowners across Central Scotland

Charles White Limited is a registered property factor (registration number PF000153) that manages the shared and communal parts of residential buildings and developments on behalf of homeowners. The company states that it has been working in property in Scotland since 1840 and describes itself as a leading factor in the country. Its activity centres on developments where several owners share responsibility for roofs, stairwells, lifts, gardens, parking areas and landscaped grounds.

The firm reports coverage across Edinburgh, Livingston, Falkirk, Linlithgow, Dunfermline, Stirling, Perth, Kirkcaldy, Dundee, Broughty Ferry, East Lothian, the Scottish Borders and surrounding areas. It also indicates that it provides factoring services to residential property clients throughout Scotland and Northern Ireland.

What the factoring service covers

The company frames the factor's role as managing communally owned areas: arranging repairs, maintaining shared spaces and handling the finances attached to them. Its stated service range includes the following:

• Meetings with homeowners
• Grounds and building maintenance and repairs
• Communal cleaning and upkeep
• Financial management and budgeting
• Block insurance coordination
• 24/7 emergency support

On the administrative side, the material describes issuing invoices, collecting payments from owners, preparing budgets and paying contractors, as well as looking after a building's insurance policy where a shared policy is required. Routine jobs cited include stair cleaning, gardening, lift servicing and grounds maintenance, alongside repairs such as a leaking roof, a broken light or emergency call-outs.

Owner relations and the case for changing factor

Charles White presents face-to-face contact with its team as part of the service and stresses transparency and cost control in the money it spends on maintenance. It also addresses homeowners who are dissatisfied with their current agent: the site explains that owners in Scotland can appoint a new factor and that the company can guide them through the process, from reviewing title deeds to liaising with fellow homeowners.

The site reproduces a review attributed to an Edinburgh homeowner with more than ten years in a flat, who describes friendly and professional service and swift responses to concerns, and rates the company above other management firms the reviewer had dealt with. The company also states that it was named Managing Agent of the Year (5,001+ units) at The Scotland Awards 2026.

Guides, portal and client groups

Beyond day-to-day factoring, the site publishes documents and guides on the role of a factor, insurance, development finances, sale or transfer of ownership and complaints. It maintains an online portal for owners, with registration and instructions on how it works, and separate channels for developers, contractors, defect reporting and bill payment. The company also states that it is a member of The Property Institute.

Insurance intermediation and company details

Charles White Limited and Charles White (N.I.) Limited are described as appointed representatives of Arthur J Gallagher Insurance Brokers Limited, authorised and regulated by the Financial Conduct Authority. Charles White Ltd is registered in Scotland under company number 212674, with VAT registration number 312 0620 66. Its registered office is at 14 New Mart Road, Edinburgh, EH14 1RL.