b'shared owners, particularly if they face large one off service charge bills for remediation works:What were finding is that every building you go into, you have to do some remediation. If it was checking alone, wed have done it by now. (Interviewee 1)There were also concerns about changes and updates to the safety regulations leading to additional remediation works:The advice changes, there are more being added all the time. And this has happened to us, weve remediated a building with a new cladding system, and then had to take it all off. (Interviewee 1)There was some tension between providers who had relaxed rules around sub-letting to help shared owners who needed to move home and were not able to sell because of the delays in the system, allowing them to rent their flat instead, and the views of lenders who were opposed to subletting:Weve had some people coming to us looking to let out their shared ownership property while their cladding gets removed. Theyve been given permission from the housing association to do that. They dont feel safe, yet theyre willing to let it out to someone who doesnt know the issues. Were not comfortable with that. (Interviewee 9)Most interviewees felt that unless something changed, it would take many years for the sector to work through these issues:The impact of external wall surveys is massive. Its our major problem with leaseholders at the moment and probably will be for the next 10 years unless the government does something. (Interviewee 1)All interviewees felt that further government intervention was required, such as underwriting insurance risk:Theres a model they have in Australia apparently, where the government is effectively underwriting some of the insurance risk to free up the market. That feels like the only way. (Interviewee 1)22'