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MortgagesMortgages
Choosing a mortgage is probably the biggest financial decision you will make. However with thousands of mortgages to choose from it can seem like an impossible maze to find your way through.

InvestmentsInvestments
Getting your financial affairs in good shape, with funds available to meet unforeseen costs, to reduce your mortgage or to support you in retirement, can increase your sense of security and freedom.

PensionsPensions
Saving for retirement is something that most of us put off for as long as we can.


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Domestic Energy Performance Certificates

The Energy Performance Certificate gives you a measure of your homes fuel cost based on ‘standard occupancy’. It recommends energy efficiency measures that help you reduce your fuel bills. The certificate shows you on a scale from A-G how energy efficient your home is (similar to the ratings that exist for washing machines, fridges and new cars). It also rates the CO2 emissions that your home produces.
The ratings do not penalise you for having a larger property as they take into account the size of the property, (rating it in terms of an average square metre). The most efficient homes have a band A rating although there are very few of them. The average property in the U.K. is band D or E for both ratings. The ratings are based on the performance of the building and its services, such as heating and lighting (rather than the domestic appliances within it).

epc liverpool

Changing the way we think about our energy use

Statistics show that only 12% of heat loss in an uninsulated property is lost through drafts and ventilation. The other 88% is lost through the fabric of the building (i.e. the roof, walls, windows and doors). Some energy saving measures can dramatically reduce that heat loss with very little effort and money. For example, fitting 250mm thick loft insulation could cut heat loss through the roof by about 30%. Likewise, having an uninsulated cavity wall filled with blown fibre insulation could also produce a 30% reduction in heat loss through the walls. Other recommendations may include low energy light bulbs, insulated jackets for the hot water cylinder and upgrading the heating system and controls.

The estimated cost of the measures recommended will vary, so the certificate splits the recommendations into 3 categories based on cost. Those that cost under £500, those that could cost more than £500, and further measures that will help achieve the highest possible ratings for the home but which could be expensive (typically taking more than seven years to repay their cost in energy savings).

If you would like to know more about landlords obligations to provide an EPC please contact us



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If I had my way, I would write the word "INSURANCE" over the door of every cottage and upon the blotting book of every public man, because I am convinced that for sacrifices which are inconceivably small, families can be secured against catastrophies which otherwise would smash them forever. - Sir Winston Churchill.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

We do not normally charge a fee for mortgage advice, however this will be dependent on your circumstances. If a fee is charged our typical fee is £250.

J Gillespie & Co Ltd t/as Independent Financial Services is an appointed representative of Personal Touch Financial Services Ltd
which is authorised and regulated by the Financial Services Authority.

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J Gillespie & Co Ltd t/as Independent Financial Services, Registered in England & Wales, No 04128171 - 87 Stockton Road, Hartlepool, TS25 1SJ


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