What a Home Information Pack contains
The following documents must be included in a Home Information Pack (HIP):
- An index which lists documents contained in the HIP and provides a checklist for sellers, buyers, estate agents and enforcement authorities. The index must also state if a required document is not included and explain what steps are being taken to obtain it. The index must be updated whenever documents are added or removed.
- A Property Information Questionnaire (PIQ) which must be completed by the seller. The PIQ provides a helpful checklist for buyers of simple information they need to know about a property before making any decision, including gas and electricity safety, flood risk information, previous structural damage, parking arrangements, and a leasehold summary where appropriate.
- An Energy Performance Certificate (EPC) / Predicted Energy Assessment (PEA) which gives homeowners, tenants and buyers information on the energy and carbon emission efficiency of a property through an A - G grade rating, where A is very efficient and G is least efficient. The EPC also gives advice on cost effective ways to improve the rating. For new homes sold off-plan the requirement is to include a PEA, which should be replaced by a full EPC when the home is built.
- A certificate, or interim certificate, for new-builds showing the sustainability of the home, where it complies with the standards under the Code for Sustainable Homes, or a nil-rated certificate, where the property has not been assessed against the code. This will be available from the developer.
- A sale statement that includes the name of the seller, property address, whether it is freehold, leasehold or commonhold, registered or unregistered, whether it is being sold with vacant possession and in what capacity the seller is selling the property (eg selling on behalf of a deceased owner).
- Evidence of title documents that prove the seller owns and has the right to sell the property. If the property is registered, certain documents available from the Land Registry must be included in the HIP. These provide an official record of who owns the land and include official copies of the individual register (made up of a property register, proprietorship register and typically a charges register) and an official copy of the title plan. If the property is unregistered, the HIP must include copies of a certificate of an official search of the index map (obtained from the Land Registry), and the documents that the seller intends to rely on to provide evidence of title to the property and the right to sell it.
- Standard searches including a search of the local land charges register and other records held by the local authority (regarding such issues as planning decisions and road building proposals) and details on the provision of drainage and water services to the property.
- If appropriate, a copy of the lease or information about commonhold.
- Optional documents
There are a number of optional documents which can be included in a HIP should the seller wish. These include:
- a Home Condition Report which contains information on the physical condition of the property
- a legal summary which provides a plain English explanation of the legal documents in the HIP
- home contents form which provides information on fixtures, fittings and contents included in the sale
- non-standard searches covering things like rights of way, ground stability, actual or potential environmental hazards, and mining
- other documents such as non-standard searches, rights of way, guarantees for maintenance and renovation work carried out
- for leasehold properties, additional leasehold documents, such as information on service charges, ground rent and insurance, a summary of ongoing or proposed works or managing agent details
Energy Performance Certificate (EPC) explained
What is an Energy Performance Certificate?
The Energy Performance Certificate or EPC is the energy efficiency rating of a property, precisely a building. The rating is represented graphically on a scale from A to G, where A stands for the most efficient energy performance and G stands for the least efficient energy performance. Side-by-side energy performance of buildings, the EPC depicts the environmental impact of a building in terms of Carbon Dioxide or CO 2 emissions.
Why is the Energy Performance Certificate so Vital?
EPC's are a direct outcome of the European Union Directive 2002/91/EC, inspired by the Kyoto Protocol that aimed at cutting back on energy consumption and ecological deterioration due to CO 2 emissions. Incorporated in Part 5 of the UK Housing Act 2004, this directive requires all houses and buildings in UK to have EPCs by 2009.
About 40% of UK 's energy consumption results from domestic uses - due to lighting, heating, air-conditioning and other household uses. The issuance of EPCs will be a concrete step in curtailing this massive consumption. They not only give an estimation of the energy efficiency, EPC's also have necessary information to help improve the energy-efficiency of a home/building.
EPC's provide complete details about Energy Savings Trusts that help house-property- owners with special grants and/or discounts to carry out necessary improvement work.
Lowering of energy consumption will cut down on carbon emissions simultaneously. This way, EPCs not only help save money and energy, but also successfully contribute to the cause of environmental improvement.
EPCs & HIPs
An Energy Performance Certificate is the most vital 'required' document in a Home Information Pack. Included in the HIP as part of Government's initiative to support a greener housing market, EPCs have immensely helped the buying/selling process, making the process transparent and fast.
Again, EPC's are helping buyers take the right decisions by providing them adequate information. Actually, the better the rating, the higher is the energy efficiency of the property and the lower the fuel bills. With lower energy consumption, expenses will be less and the impact on the climate will be favorable. This being the case, a property with a good energy performance rating will invite more buyers.
With suitable advises on ways of saving energy and cutting carbon emissions, EPC's have helped property sellers enhance their reliability; the buyers too are benefited in that they can now make their new homes energy-efficient and bio-friendly.
Issuing EPC's
In compliance with the European Directive for the Energy Performance of Buildings, all member countries of the European Union have been directed to introduce EPC's as a measure to curb energy wastage and harmful ecological consequences. Hence, the UK government now requires the sellers to submit EPC's as part of Home Information Packs.
Property-owners, who are contemplating to sell their holdings can either obtain EPC's by directly seeking the services of Domestic Energy Assessors, Home Inspectors or approach them through their agents.
Home Inspectors undertake thorough inspection of the property, its various assets including fittings and fixtures to collect relevant data for issuing the certificate. An accredited Energy Assessor may also perform the necessary checks and issue the Energy Performance Certificate.
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