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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.

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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.

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


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Buy Home Information Packs (HIPs) & EPCs

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Home Information Packs (HIPs)

Although HIPs can be purchased from a variety of different sources many people wrongly assume that they have to purchase the HIP through the estate agent that they intend to use to sell their property.  This is most definitely not the case.  You are free to purchase a HIP from any source you wish.

Our managing director, Jim Gillespie, is the founder and chief executive of the Institute of Domestic Energy Assessors and has been heavily involved with the HIP industry from inception.  Jim says “be vary cost conscious when considering purchasing your HIP through an estate agent, particularly if they tell you it’s either free or built into their fee.  As them outright how much you will be charged for the HIP.  I’ve come across several instances where vendors have been told their HIP is “free”, only to be charged several hundred pounds a few months later when their property didn’t sell and they tried to withdraw it from the market”.

Home Information Packs

Home-owners or their agent marketing a residential property in England or Wales are now under a legal duty to provide a Home Information Pack.

The following compulsory documents must be included in a Home Information Pack HIP).

  • Home Information Pack (HIP) Index
  • Property Information Questionnaire (PIQ)
  • Energy Performance Certificate (EPC)
  • Sale statement
  • Standard searches
  • Evidence of title
  • Additional information for leasehold and commonhold sales, where appropriate.

Optional documents in the Home Information Pack (HIP) include:

  • Home Condition Report (HCR)
  • Legal summary
  • Home use/contents forms (now have been replaced by PIQ)
  • Other documents
  • Additional information for leasehold and commonhold sales, where appropriate.

At Independent Financial Services we can provide you with quotations for both Home information Packs and Energy Performance Certificates.

To discuss your requirements and have any questions answered you may have about Home Information Pack (HIP) or Energy Performance Certificates (EPC) contact us



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Mr S Close - Yarm
I have used Independent Financial Services for investment advice for a number of years....

Testimonials

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.

TERMS AND CONDITIONS

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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