WORTHLESS
Homesellers' packs costing £500 could prove
utterly worthless as banks wont
accept their searches.
The new £500 Home Information Packs could prove
to be a complete utterly
worthless because lenders will not
acknowledge the searches they provide.
HSBC are unwilling to trust the packs, which
sellers are legally obliged to pay for, meaning
thousands of home buyers will still have to fork
out to guarantee they receive mortgage approval.
With about 80% of the housing market in a chain,
it means homeowners will be forced to pay twice.
(Source: The Sun, Aug/07) |
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HOME INFORMATION PACK
From June 2007,
anyone wanting to sell a house or flat will be legally
obliged to pay £200 to have it checked by one of the
estimated 4,000 Home Inspectors now undergoing training.
Each property will then be assigned a Home Information
Pack, including a compulsory 'green' certificate which
assesses its energy efficiency. Ministers believe the
move will help buyers compare costs between homes but
critics have called it a 'stealth tax in the making',
while civil liberties groups have accused the Government
of setting up a database on every citizen. One company,
Home Inspectors of Ramsgate, Kent, claims to be training
1,500 inspectors in 'property health and safety risk
assessment, collecting information from property owners,
inspection routines and gathering evidence, report
writing and condition-rating." (Source: Mail on Sunday, Feb/07)
Up to
4,500 inspectors, earning up to £80,000 a year,
collecting information for the Home Information Pack
scheme, will be required to count how many long-life
light bulbs there are in every house or flat put up for
sale. The compulsory £200 survey will cover virtually
every aspect of the history, construction and current
condition of the property. Every home in England and
Wales will have to have an Energy Performance Certificate
provided by the vendor before it can be sold otherwise
sellers face prosecution by trading standards officers
and a £200 fixed-penalty fine.
Ministers have portrayed the Home Information Pack scheme
as a means of cutting carbon emissions and making it
easier for householders to save on energy bills but it
has emerged that the 25-page questionnaire will demand
minute details of properties. The document, entitled
Reduced Data Standard Assessment Procedure, was
commissioned by the Environment Department from the
Federation of Authorised Energy Rating Organisations to
provide a 'rapid yet accurate assessment of the energy
performance of an existing home'.
During their 45-minute checks inspectors will look at
everything from the loft (how thick is the insulation?)
to the conservatory (any 'excessive window area?). They
will go into every room to calculate the number of
low-energy light bulbs and while in the kitchen they will
even examine the cooker to see if has automatic ignition
or a permanent pilot light. Although the questionnaire is
not in its final draft, Stephen O"Hara, head of
Elmhurst Energy Systems involved in drawing it up, said
any changes were likely to cover only detailed technical
matters. At the end of the survey, home-owners will be
issued with a certificate grading their property's energy
efficiency from A to G.
The detailed data will be sent by the inspector from a
hand-held 'palm pilot' to a computer run by the
Department for Communities and Local Government. A
spokesman said, "Home Information Packs will provide
home-buyers with proper energy information about their
homes to help them tackle climate change and bring costs
down, particularly for first-time buyers. Access to the
Energy Performance Certificates and Home Condition
Reports will be strictly controlled and restricted to
buyers and sellers, their advisers, mortgage lenders,
accreditation schemes monitoring the performance and
quality of the reports, and trading standards
officers." (Source: Mail on Sunday, Feb/07)
Energy
inspectors brought in for the new property sales packs
will not be regulated with criminal record checks. The
Domestic Energy Assessors (DEAs) will have to be given
access to every room in the house, but the Department of
Local Government and Communities (DLGC) has still not
formally chosen which organisations will keep a check on
their backgrounds. And disturbingly, even once the
organisations, called 'accreditation bodies', are set up
they will not be permitted under law to contact the
Criminal Records Bureau.
Instead, the assessors will have to be asked to
voluntarily give details of their criminal past under
what has been described as a "Burglars' Charter'.
One of the bodies expected to be announced as an
'accreditation body', the Royal Institute for Chartered
Surveyors (RICS), said, "We will insist that those
hoping to receive accreditation disclose their criminal
records and carry out the checks. But we cannot force
them to under the legislation and we cannot ourselves
check out their criminal records, even though they will
have the same access to people's homes as the Home
Inspectors."
The 'accreditation' process is supposed to ensure that
people convicted of crimes are prevented from working in
the fledgling industry. A register will be kept by the
'accreditation bodies' of those who are deemed 'fit and
proper persons'. The Law Society wants the Government to
hold back on forcing home sellers to open up their
properties to assessors. Paul Marsh, its deputy vice
president, said, "It is astonishing that it is not
possible to independently carry out criminal record
checks on people who will have access to our homes."
Homeowners who fail to invite an assessor into their
property to provide an Energy Performance Certificate are
liable to a £200 fine. The assessors will tour homes to
rank every property marketed for sale on a sliding scale
depending on its efficiency. A DLGC spokesman said the
level of criminal record checks carried out for Home
Inspectors and DEAs were different because the levels of
the two jobs were different. The Department insisted the
new scheme would be up-and-running smoothly, saying,
"This is scaremongering by vested interests."
(Source: Mail on Sunday, Apr/07)
The
introduction of Home Information Packs is to be delayed
until 1 August, when they will be brought in for sales of
homes with four bedrooms or more. The packs were due to
become compulsory for all home sales in England and Wales
from 1 June but Communities Secretary Ruth Kelly told MPs
the packs would be phased in. She also said that
initially sellers would only have to have commissioned a
pack, rather than have a completed one, before marketing
their property.
The delay comes after a judge, ruling on a legal
challenge from surveyors, said the energy performance
certificates should be left out of the packs "for
the time being". The legal challenge from the Royal
Institution of Chartered Surveyors (RICS) was based on
what they said was a lack of proper consultation on the
packs. Ms Kelly told MPs that RICS and the government had
reached "a pragmatic way forward that gives
certainty and allows us to get on with
implementation".
However, a spokesman for RICS denied they had agreed to
drop the legal challenge and questioned how the packs
could be introduced from 1 August, when the 12-week
consultation agreed to would still be taking place.
Ministers have increasingly used the energy certificates
to justify the packs, saying they would help to persuade
people to make their homes more energy efficient and thus
cut carbon emissions.
Ms Kelly said that, in the wake of the legal ruling, it
was worth delaying the packs rather than launching them
without the energy certificate. She said the two-month
delay would give more time for energy assessors to be
trained, admitting that there were only 520 fully trained
and accredited assessors, rather than the 2,000 or more
needed. She blamed the shortage of assessors on
uncertainty about packs as a result of
"misinformation" from opponents and the legal
challenge.
There were plenty more assessors currently being trained
and the packs would be brought in for smaller properties
after August "as rapidly as possible, as sufficient
energy assessors become ready to work", she said.
The National Association of Estate Agents said the phased
implementation was "confusing thing even
further" for sellers, and expressed disappointment
that the government had not listened to its concerns
about the lack of qualified assessors earlier. (Source: BBC News, May/07)
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