Saving energy in the home – where to begin

November 14th, 2008 HIP-Consultant.co.uk Posted in Energy Saving 1 Comment »

The key to energy saving in the home is efficiency. More efficient insulation, for instance, leads to more efficient heating systems as less heat is lost.

Lowering energy bills is an aim that every homeowner has in mind, and the only way to achieve this in these days of rising costs is to use less. For a few useful tips on how to start using less gas and electricity – and at no extra cost – read on.

saving energyElectrical items and standby mode

We’ll start by looking at electricity, a vital but increasingly expensive source of energy that is wasted to surprising levels without us realising. For instance, are you aware that more than three quarters of the energy used by a simple device such as a DVD player is accounted for while the unit is not actually being used?

It’s true – leave a DVD player on permanent standby and you will use over 75% more electricity than is actually needed to watch a film.

‘Standby’ is a mode that is available on most electrical appliances – televisions, stereo music players, computers and videos all have standby modes – and all will consume electricity while on standby. Ask yourself the question – do you really need the microwave left on standby when not in use, or the television? Switching off at the wall is not a great disadvantage, after all, and can lead to significant reductions in electricity usage over a year.

Likewise, any items that are charged at the mains should be unplugged once they signal that they are fully charged, as they do not stop using electricity when this point is reached.

Heating the home efficiently

Heating is essential in any home, especially when the cold winter months begin to roll in. There are a number of simple and common sense ways of increasing the efficiency of your home, and reducing the wastage that inefficient insulation can incur.

Curtains are an important factor. It may be worth hanging heavier curtains in winter time, and drawing them earlier than necessary in order to aid insulation. Hang curtains over doors, too, as even closed doors are leakage areas that can see a great deal of heat escape.

Plan your room sensibly so that no heavy furniture is placed in front of a radiator. Radiators give out heat by way of – as their name conveys – radiation, and anything directly in front of the appliance, a chair or a sofa for instance, will block the ability of the heat to radiate through the room.

This problem, plus poor insulation, leads to the heating system having to work harder to heat the room to the required temperature, using more energy – gas or electricity – as a result.

Other tips for saving on heating costs are to keep the doors to unused rooms firmly shut, and the radiator within turned off, and to reduce the thermostat from your usual temperature by a single degree. The latter saves a surprising amount of energy across a year.

If you are out at work all day then great savings can be made by revising the timing of the heating system. If you set the heating to switch off before you go to work – say by half an hour – and to come back on a similar period before your return, you will not be heating an empty house during the day, and will still have a house that is acceptably warm and comfortable.

These are just a few worthwhile tips regarding electrical items and heating systems, and we will visit further advice in a later article.

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Negative equity – dealing with the wolf at the door

November 12th, 2008 HIP-Consultant.co.uk Posted in Energy Saving, Mortgages, Property Market 1 Comment »

It is a nightmare scenario in which the value of your property falls below that of the loans secured on it and it is likely to affect a great number of homeowners in the coming years thanks to the worldwide recession.

In fact, estimates put the number of homes falling into the negative equity zone at over two million by the year 2010, with over quarter of a million having joined the statistics in the last few months.

help negative equityWhat should you do if you find yourself in the negative equity trap?

First and foremost, a couple of important points: your mortgage lender wants his money, not your house, hence repossession is very much the final option. The bailiffs will only be despatched to your door as a last resort. Also, house prices fluctuate – what is falling now may be rising in a few years – and negative equity will affect those who have to sell their homes while in the trap. If you can stay put for a while, do so, and you should find yourself climbing out of the zone in time.

Try and reduce the debt

At the first signs of negative equity – and for those who are unsure, this is the point where the market value of your property becomes less than the mortgage secured upon it (and any other loans that may use the property as collateral) – the thing to do is take stock. Investigate ways of cutting the debt – many mortgage lenders will have an option available to pay off a chunk of the mortgage, generally up to ten percent – by using available funds. Of course, you should not consider taking out further loans, but if you happen to have savings then it may be worth using these to reduce the mortgage amount repayable in the first instance.

If paying off some of the loan is not an option you should still contact your lender, and straight away.

Work with the lender

There are certain guidelines in place that lenders have to follow with regard to homeowners in trouble with repayments, and these are there to help both parties. As pointed out above, the mortgage lender does not want to go through the costly and time consuming route to repossession, but to get back his money. This is best done by working with the borrower, and devising a repayment plan that will keep up repayments to a degree, with the balance paid off over a selected period of time.

Taking independent advice is always a sensible option, and the Citizens Advice Bureau can be a useful source of help as they have personnel trained in negotiating with lenders in an effort to come to a viable agreement.

Don’t take out a loan!

Things not to do include taking out loans, or getting involved in debt consolidation agreements. Keep to dealing with your mortgage lender, as they are the one you are legally bound to.

Do not, either, hand back your keys. This course of action has no benefit to anyone – especially you. Talk to your lender, and be open and honest, and an agreement will be found in most cases.

Should the situation get as far as you being issued with court papers, all is not lost. It could be that you should have spoken to your lender before, but doing so at this point may still result in a solution being found.

To summarise, should you find yourself falling behind, or looking like you may, get in touch with the relevant parties straight away, check out your savings situation, and look at ways of braving the storm. Sit tight and survive the crisis and you will most likely find your property gaining value once more at the far end of the tunnel.

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Energy price rises anticipated

July 25th, 2008 HIP-Consultant.co.uk Posted in EPC, Energy Saving 6 Comments »

Energy prices continue to rise and there seems to be no signs of them slowing. Channel 4 News recently reported that an independent report commisioned by Centrica shows that gas prices are set to rise 70% from current costs.

Is this yet another catalyst for consumers to further look at how they utilise their gas and electric supplies to their properties?

Energy prices have surged since Feburary of 2007 and all the customers of the major players British Gas, Npower, EDF, Scottish Power, Scottish and Southern Energy and E.On have had to support big increases in fuel prices.

Certainly at present many households are feeling the ‘credit crunch’ and are often looking at making cost savings that they can make within their current lifestyles . Energy saving and efficiency is becoming a higher priority amongst many; not only looking to compare energy prices within the market place but how they can become more efficient and ultimately use less energy.

So how do we use less and cut our bills?

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Should I train as a domestic energy assessor (DEA)?

July 5th, 2008 HIP-Consultant.co.uk Posted in EPC, Energy Saving 123 Comments »

HIP-Consultant.co.uk has develop its services and areas we can provide Home Infomation Packs (HIPS) over a relatively short period. This expansion has been carried out gradually to ensure the continuity of quality remains; and that we do not fall foul of sacrificing customer service which has been key to the high level of customer satisfaction we have achieved.

HIP-Consultant.co.uk receive enquiries on almost a daily basis from current or potential domestic energy assessors (DEA) as I am sure other organisation will do. The discussion within the industry continues to be one of concern in regard to the current and rising number of DEAs; concerns which HIP-Consultant.co.uk mirror. The question which is inevitably asked by prospective DEAs is ‘should I train as a domestic energy assessor?
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Energy Performance Certificate recommendations

June 25th, 2008 HIP-Consultant.co.uk Posted in EPC, Energy Saving No Comments »

The Energy Performance Certificate (EPC) makes recommendations and this is becoming more widely familiar as the EPBD legislation is becoming further understood and implemented. HIP-Consultant.co.uk welcomes the national EPC awareness campaign that is currently running and feel this can only help promote the significance and importance of the Energy Performance Certificate (EPC).

Once the Domestic Energy Assessment has taken place and the Energy Performance Certificate has been issued, for example within the Home Information Pack (HIP); the EPC recommendations are being looked at by the new owners of the related property and are increasingly making improvements based upon this section of the EPC.

Please click image to enlarge.

energy consumption picture

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Energy saving tips

June 6th, 2008 HIP-Consultant.co.uk Posted in EPC, Energy Saving 1 Comment »

After posting about receiving the email in regard to the lady’s energy saving due to the Energy Performance Certificate; I carried out further research around simple low cost energy saing tips.

There is alot of information out there, our own energy saving tips included. Alot of the advice and information contains similar points.

However, I came accross quite an amusing energy saving tips page at the Energy Saving Centre where one of the tips; tip 23 - is giving children 2p every time they turn the lights off in an empty room.

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Energy saving through the Energy Performance Certificate (EPC)

June 5th, 2008 HIP-Consultant.co.uk Posted in EPC, Energy Saving 5 Comments »

We received an email today from a client telling us about the impact the Energy Performance Certificate (EPC) had on their energy consumption and lifestyle.

The client had a domestic energy assessment carried out on their property as part of the Home Information Pack (HIP) process and to cut a long story short decided to take the house off the market and make improvements; some of which were detailed within the Energy Performance Certificate (EPC).

We try and provide resources and information as an addition to undertaking the energy assessment which the client had used. The lady had accessed grants available in her area for both cavity wall insulation and loft insulation. I must add at this point that these can now be applied for by most people whatever your circumstances. There are further details within our main site.

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