Got to hope.

Reading through the news this morning all I could find was doom and gloom in regards to the housing market - housing market remaining slow, pessimism affecting housing market and highly uncertain, being the main headlines online today.

But click on to them and read through and there is a glimmer of hope! So I have "swiped" the positive comments out for everyone to see below:

"“However, there is a very clear regional pattern emerging, with London seeing a greater level of price resilience, while in much of the North and Midlands the market remains under greater pressure.” http://www.estateagenttoday.co.uk/news_features/Housing-market-gets-off-to-a-bad-start-says-RICS

"Atlantic Canadians may feel they can afford to scrimp and save to pay off debt built up during a holiday buying spree, as the bank suggests, but those same people may feel that purchasing a new home is just too far out of their reach for now. But there is a touch of irony that a simple decision by individuals to hold off on making major purchases, such as a new home, ultimately affects the broader economy"
http://thechronicleherald.ca/Business/1226718.html
It seems that the Canadians are experiencing what we in the UK are. There is little confidence in the market and therefore people aren't buying - but if there was the confidence then we would see higher prices, more properties on the market and more work and better for the economy. Unfortunately (yes, I am on that "soapbox" again) until the Government puts pressure on the banks to make it easier to get a mortgage again we aren't going to see the influx of first time buyers on the market that we need.

More products?

Its a bitterly cold wednesday. Ice on the cars and on the roads. But I am in a happy place right now - I managed to get all 3 kids fed, washed and dressed before 8am without having to shout once! Normally I have turned into the fishwife from hell by 8am on a school day shouting at one or the other to hurry up, we will be late, get moving etc so to have not had to do that feels so good - don't want to jinx myself but maybe the kids are getting into the routine finally?

Work this week is quiet so I am concentrating on researching other products I can offer to my clients and (hopefully) potential clients. I already do EPCs, commercial EPCs, floorplans and inventories so other than check ins of tenants am not sure what else I can offer (any ideas let me know!). Have thought about videos of properties, a walk through of a property for sale - it would save time as potential buyers would be able to get a wonderful feel for the property but am not 100% on that at the moment. It would be similar to the 360 tours that were in fashion some time ago but it would incorportate all of the property so that idea needs some looking into.

The current situation with mortgages is worrying me at the moment, unless the Government does something then the market is going to continue on its current path. We need to see the lending "freeing" up so that more people can get on the market! If the Government wants more people in work it would certainly help alot of builders get back to work if the housing market started moving again and it would, with stamp duty etc, give more revenue for the Government and help the UK get out of debt.

The Green Deal, further info

"Thousands of new insulation workers will soon be hitting Britain’s streets as part of a national effort to make people’s homes warmer and cheaper to run. Chris Huhne, today said that by 2015 up to 100,000 Green Deal workers could be employed in the effort to upgrade Britain’s homes. Currently around 27,000 work in the insulation industry. Legislation to start the process of establishing the Green Deal is due to be introduced into Parliament next month.The Green Deal is the Government’s new and radical way of making energy efficiency available to all, whether people own or rent their property. The work to upgrade the property will be paid back from the saving on energy bills.Chris Huhne, visiting British Gas’ Energy Academy in Thatcham, said:“The Green Deal’s about making people feel as warm as toast in their homes. I want Britain to say goodbye forever to leaky lofts and chilly draughts. At a time of increasing gas prices energy efficiency is a no-brainer."

This is from the http://www.decc.gov.uk/ website.  There is a leaflet on the Green Deal that is also available to download from this website which goes on to explain that 3.5 million homes will be insulated in the run up to the Green Deal.

Part of the leaflet states "Under the Carbon Emissions Reduction Target (CERT) the Government requires all major, domestic energy suppliers to make savings in the amount of CO2 emitted by households. CERT helps reduce energy demand; enhance the UK’s security of supply; reduce fuel poverty; and, secure jobs in energy efficiency industries. In June 2010 the new Government extended the scheme to ensure 3.5 million new homes can benefit by 2012, providing an additional 107 MtCO2 in carbon savings"

I can only hope that these "thousands of insulation workers" will be 1. regulated, 2. a thorough assessment of the required amount of insulation workers will take place, 3. training providers will be kept in check.

When I read further through I found this "Chris Huhne announces that “were all 26 million households to take up the Green Deal over the next 20 years, employment in the sector would rise from its current level of 27,000 to something approaching 250,000”    I know I keep rabbiting on about this (sorry in advance) but please get a grip on the training providers - there are some fantastic ones out there (Elmhurst, SAVA, ECMK etc) but there are also the ones that are promising the moon and the stars and are giving the industry a bad name. Also (sorry soapbox again) cap the amount of people allowed to train for the green profession and set the fees like the Australian Government did.

The direct gov website is getting better - its still not positive enough for me, but compared to a year ago there are alot more details on there about how to save money when you move home. The website can be reached on this link http://www.direct.gov.uk/en/Environmentandgreenerliving/Greenerlifeevents/DG_064436. It is a shame though that the EPC is only mentioned once on this page and then only very briefly.  I did enjoy reading about the microgeneration technologies and it is explained simply so it doesn't get confusing.

Rose Tinted Glasses

I look at the world sometimes through "rose tinted" glasses. I have spent the lottery winnings on 50+ occassions in my head/daydreams (the most I have ever won is £10). I started a new career as a self employed domestic energy assessor just as the recession started to hit the UK properly.
I am sure you can see the theme that does run through all of my life - I am hopeful at all times, I want to believe the best about people and always try and stay cheery.

But sometimes when I look closely at things like I have done over the past 2-3 weeks and I get to see a large picture I can get very frustrated!

I have seen all the promotion and brilliant websites in New Zealand, Sweden etc, all the grants available in France, Canada, the assessors friend in Australia - Christine Milne and the fact that they set the fees, the USA talking about how energy efficency will be another "granite worktop" and highly valued in a property and then we look at the UK.

We have a brilliant tool - the Energy Performance Certificate and we have accredited, CRB checked, domestic and commercial assessors who love their job. But we have a website that is dreary and little promotion of the EPC, we have training providers guaranteeing work that isn't there, we have undercutting on prices and devaluing of the assessment.

This is what I would like to see happen:
1. Fees set.
2. Training providers fined - and the fine published for all to see
3. A better website.
4. More grants available and they are promoted.
5. Energy efficency in a property is a marketable asset.
6. A champion for energy assessors.
7. Thorough promotion of the EPC and its value (and commercial EPCs)

Thats just the tip of my wish list but when you look at it it wouldn't be that hard to achieve and it would benefit so many. The UK is a country to be proud of but we need to promote ourselves better.

Other countries continued....

New Zealand.
By 2015 the Government expects to have supported the insulation and clean heating of more than 200,000 homes through the Warm Up New Zealand: Heat Smart programme.
The programme provides an incentive for homeowners to leverage further private investment by banks, finance companies, local authorities and energy companies.
The Government acknowledges the role of clean and efficient space and water heating systems in reducing consumer energy costs and improving air quality.
The Building Code sets standards for the installation of insulation and renewable energy features such as solar hot water heating in homes. Recent changes are expected to deliver ongoing energy savings. As new technologies and building practices emerge, further incremental improvements will be required to ensure the Code and relevant standards keep pace.
In addition, the Government will work with industry to identify and develop a range of market measures targeting the energy productivity of New Zealand's homes.
Energy rating tools for homes, which provide purchasers and prospective tenants with credible information on energy performance, is one area where the Government is currently supporting industry in developing innovative voluntary solutions.

Following this link - http://www.eeca.govt.nz/node/3107 takes you to the clear and easy to understand website. The positive way New Zealand are promoting this is brilliant - "It started on 1 July 2009, and aims to retrofit more than 188,500 New Zealand homes over the next four years. It's run by EECA and replaces existing EECA home insulation programmes.Better insulation means our homes are warmer, cosier, and easier to heat. Warmer, drier homes bring health benefits, especially for those with respiratory illness or other conditions derived from living in cold and damp houses"

Canada:
http://oee.nrcan.gc.ca/english/ yet another brilliant website. I am getting a little jealous, whenever I look at the UKs direct gov website I get a little bored but this website, New Zealands and Swedens are easy to read and understand and promote energy efficency in a very good way.

Conserve energy and you can save money and help to make our environment healthier. Take advantage of the new ecoENERGY Efficiency Initiative to reduce energy use in buildings and houses, industry, personal vehicles and fleets. Homeowners and owners of small and medium-sized organizations can also apply for financial assistance from ecoENERGY Retrofit, as well as other grants and financial incentives.

I have gone on to read through the website, the faq site is very helpful and very encouraging towards saving energy, lots of information about available grants (UK government take note please!)

Comparisons

Its easy as a parent to get dragged into the whole my child is doing this earlier than your child routine, it doesn't do anyone any favours and sometimes can leave you feeling very negative about your own parenting skills.

Having just been to my eldests parents evening (shes doing very well, am proud) I was thinking on the way home about comparing countries.......... over the past few days I have looked at what other countries are doing, putting into practice, the websites (I still love Swedens website) and their promises and it has made me think of what its like when you compare children - nobody benefits and you can end up feeling negative when in fact there are things you should be proud of.

Every child develops at a different rate just as every country changes and implements new laws at different rates. The important thing is to praise what is good - if you complain/nag all the time it won't get anywhere.

So I am very proud of the EPC that the UK has in place, there are things that I would change but on the whole we are getting there. I am proud of what all the other countries are doing and it is impressive and encouraging to see what changes are occuring.

But I would still like to see some more changes - greater promotion of the EPC, better website, no interest loans available, available grants promoted more (this would also help stop the current winter scam) and more working together with other countries to see what we can all learn from each other - there is never any point in teaching your grandmother to suck eggs as the saying goes but we can all work together to improve our own countries.

Jealousy and healthy competition

I admit it I am jealous - I am jealous of the fact that Germany have publicly said they want to be the world leaders in energy saving, I am jealous of the website that Sweden have and how active their promotion is, I am jealous that Australia has someone like Christine Milne and that they set the fees for the assessments.

It should be competition and spurring other countries on, the UK should be looking at what Australia has done - the setting the fees and the promotion and emphasise on the changes that should be made to housing and making the same changes. Lets face it - while the EPC contains recommendations only not many people are going to spend their money on doing the work especially in the middle of the credit crunch. There should be a website like Sweden has available in the UK - easy to understand, well written, explanations there for all to see and lots of useful advice.

There are alot of changes to be made and I remain hopeful that a little jealousy and healthy competition will spur other countries on to better things, making the necessary changes and doing all their can for the global community.

Mortgages - some good news?

Michelle Slade, spokeswoman for financial information group Moneyfacts.co.uk, said: We are seeing a bit more competition back in the market as lenders want to do more lending.
They are trying to kick-start the remortgage market. Many people are on low SVRs and have no reason to move.
But despite the recent decline in mortgage rates, the cost of home loans still remains high compared with the Bank of England Base rate and swap rates.
Melanie Bien, of mortgage brokers Private Finance, said: Lenders are keen to entice borrowers off their cheap standard variable rates by offering increasingly competitive mortgage rates, which make them better profits. Yet while these mortgage rates are attractive, the best deals are still only available for those with significant equity in their homes, of 40 or even 50 per cent. The vast majority of those remortgaging will have much less equity, and therefore find it more difficult, to access a market-leading rate.

The latest mortgage index from John Charcol reveals that borrowers making enquiries about remortgaging spiked by 42% in October.

Commenting, Drew Wotherspoon, director of marketing at John Charcol, said: "October's actual mortgage figures showed a broadly even spilt between purchases and remortgaging for new cases.
“However, the real interest lies in the amount of enquiries to John Charcol in October. In September we had 600 new remortgage enquiries, but this figure rose to 855 in October, a significant increase of 42% month on
on month. This tells us that people are finally considering their options and are no longer content to simply sit on their lender's Standard Variable Rate (SVR).

And even more good news -

There has been a 22% increase in the number of products available for first-time buyers since the start of this year, according to moneysupermarket.com.
Clare Francis, site editor of moneysupermarket.com, said: "It's encouraging to see the number of mortgages available for those with reasonably small deposits increasing, but there is still a premium on rates for loans available up to 90% discouraging many first-time buyers. The best rates are still only available to those with large deposits - you need at least 25% and in some cases 40% to qualify and this is pricing many out of the market.
"First-time buyers are integral to keeping the housing market moving - if there aren't enough people jumping on at the bottom the market will eventually grind to a halt. A shortage of first-time buyers is evident around the country with many people struggling to sell their properties. Unless more lenders start offering 90% mortgages at affordable rates, it is difficult to see how this will be resolved. Increased competition would also help to push rates down, bringing the cost of mortgages available at high LTVs closer to the market-leading deals.
"Despite Base Rate having been left on hold at 0.5% again this month, an increasing number of economists believe interest rates will start rising sooner rather than later. Anyone thinking of buying for the first time may therefore be better off acting sooner rather than later as mortgages rates are likely to go up too. The housing market is also fairly subdued at the moment as the build up to Christmas starts, so it could be a good time to buy as sellers may be more than willing to negotiate on price."

Very good news, if the lenders are getting more interested in lending again there is a good possibility we will start to see more people coming onto the market and therefore bringing new life to the housing market within the UK. Plus if the lenders are showing confidence within the market it will hopefully spread.

Energy efficiency in the USA?

I was browsing through the internet again (not really I have a bee in my bonnet now about finding out what other countries are doing re EPCs) and found this blog: http://www.renewableenergyworld.com/rea/blog/post/2010/11/energy-efficiency-real-estates-next-granite-counter-top

" Often on the vanguard, Boston-based Conservation Services Group is working on an idea to make home efficiency more tangible. It is a surprisingly simple idea. One that is likely to leave a lot of people saying, ‘Of course. Why didn’t I think of that?’
You might say CSG is making energy efficiency the next granite kitchen counter top of the real estate business.

Through a $348,000 grant from the Doris Duke Charitable Foundation, CSG is working on a metric to describe a home’s energy efficiency value. When a homeowner lists a house for sale, the metric would be included in the multiple listing service (MLS), right along with the home’s price, number of bedrooms, square-footage and location. Suddenly, efficiency is tangible, something that can be quantified and can add or detract to home value.It’s not yet clear what that metric will look like. It might be a numerical score or a certification like the Energy Star label. Figuring that out is part of CSG’s task, as it puts in place a program for New York over the next two years. “You can imagine the pitfalls in establishing what this score would be,” said David Weitz, director of CSG’s Applied Building Science Division. “How do you present it in a way that is accessible to the greatest number of people.  Unfortunately, there is no right answer.”

Well there is an answer - look at what the UK has had in place since 2007 and what Australia is putting into place in 2011. Talk to Elmhurst (based nr Lutterworth, Leicestershire) who are incredibly forward thinking and have been in the industry since the year dot. Or pick up a phone/write an email and talk to me (power of positive thinking - or wishful thinking).

I blogged today about the problems Australia is currently undergoing and the fact that training providers are still lurking all around the UK, the UK also don't know at the moment what will happen with the home energy advisors (please let it be open for DEAs first and only) and am now hoping that America does learn from what has happened here and in Australia and doesn't let training providers run riot, caps the amount of assessors there can be, promoted the energy assessment thoroughly and sets the fee to stop undercutting etc.

Energy efficency can be tangible, it is a selling point and it should be valued more than it is.

Green Deal and assessors.

"The enormity of the challenge soon became apparent and the first meeting was barely able to scratch the surface of the task. The Green Deal is proposing that all households should be eligible for an energy assessment that will provide them with guidance on the investment choices that they can make and also give them behaviour change advice.

This will be the first point of contact that households will have with the Green Deal and the assessments will need to have integrity, independence, consistency and be of a high quality. Working out the funding model to achieve this, finding people with the skills able to deliver the assessments and ensuring there is a good level of quality control is a major task for policy-makers.

As we go through the process similar changes will appear at all other stages of the delivery model. What is highly encouraging is the level of Ministerial ambition behind the programme and the openness of DECC officials to external ideas and advice"

I have pinched the above from: http://www.businessgreen.com/business-green/comment/2272705/developing-green-deal as I thought it was very thought provoking and made some very valid points.

As a Domestic Energy Assessor the bit that grabs me is the first point of contact that householders will have - who will it be? It goes on to say that there it needs to find people with the skills able to deliver the assessments and ensure that there is good quality control - to my mind it is obvious, the assessors should ONLY be DEAs - they are already over 50% trained, are CRB checked and are used to being professional within clients houses, it makes complete sense to use DEAs for this role!

As a home owner I am obviously worried about potential financial implications but it has been stated that the Green Deal will provide grants/links with energy companies to fund the work to make the UK more energy efficent.

Only time will tell!

Worry and dreams

I'm sitting here alone at my computer, kids are all organised so it is fairly peaceful in my house at the moment and I am having a moment of worry..........................do I do the RICs Associate course?
I have always wanted to be a chartered surveyor, I have put myself through numerous courses, studied into the early hours and then gone to work and looked after a small baby, took jobs I didn't really want that came with a paycut just to get more experience and I am now looking at the work required and wondering if I can do it?

I know I will buckle down and get on with it but its nice every now and again to remind yourself of how far you have come and that your dream is finally going to be within reach.

I have another dream and that is for the EPCs to be fully promoted within this country - the Green Deal brings with it a whole new range of possibilities, with a little tweaking the EPCs could provide the full advise to the householder/landlords and the Government would have an army of people who are already trained ready to go out and put that part of the Green Deal into motion.

DEAs have been promised the world by training providers (that mysteriously disappeared in the end) and there are still adverts/emails appearing offering people the chance of a fantastic new career within the energy assessing industry where as the actual truth is that there is already more than enough trained energy assessors within the UK and unless you are guaranteed work by a very trustworthy source then you really shouldn't train. I love my career and am very happy to do the work but at the moment I would advise people against paying any money to become a DEA.

I do hope that if any other country begins putting EPCs or something similar in place that they monitor the training providers and make sure that the trainee energy assessors are not taken for a ride.

A normal day at home?

I haven't really spoken much about my life other than the work side of it. I have three children - 8yr old daughter, and two sons age 3yrs and 18 months.

As it is quiet at the moment (am trying not to worry - but as I am self employed its difficult not too) I had the luxury of a complete day at home with the kids. So it starts of in the normal manic run round, breakfast, shower and dress the little ones, bit of housework followed by the school run with the nightmare of parking and getting the eldest to school without letting the 3yr old run off (definately not an easy task). When we were at home I had to take a phone call so went out via the patio doors so that I could hear the person on the other end instead of trying the make out the conversation whilst the kids were playing loudly. During the phone call the 3 yr old scaled the stairgate into the kitchen and locked me out. So I spent 10minutes of my morning begging the 3yr old to give Mummy the keys!

I spent the remainder of the afternoon on the garden planting bulbs while the youngest two ran up and down screaming and playing with cars and the dogs. So it was a good afternoon until I had to face the school run again and find somewhere that wasn't a 2 mile trek away from the school to park - I refuse to double park or park on corners unlike the rest of the parents so it can be tricky.

I love the variety my job offers me and the fact that I get to spend extra time with the kids, I am one of the lucky ones.

But on a rainy and cold November afternoon I can't help hoping that I will get invited to the USA or New Zealand to discuss the EPC and how it works in the UK...................well it makes a change from daydreams about winning the lottery. I am glad that I started this blog as it has encouraged me to read more about what is happening about the Green Deal in the UK and across the world, at the end of the day we all as global citizens need to do more, its no good leaving it alone and hoping it will go away - its our world and we ALL have to look after it. The other advantage of this blog is with the fact that my other half is in the Army it gives me somewhere to vent my feelings of frustration about the lack of promotion of the EPC and related topics as the kids don't really seem to want to hear it - the eldest would rather watch Hannah Montana :)

One of the largest landlords?

Private landlords in the UK are expected to keep their properties to a certain standard and to provide an EPC to tenants.

But what about one of the largest "landlords" within the UK - the M.O.D? The MOD own thousands of houses (it was reported by the Daily Mail that they have 2,400 sitting empty) and thousands of armed forces families living in these houses, are the MOD providing EPCs for these properties?

Surely with the EU directive it would be essential to have these properties kept to a good standard and insulated correctly to save energy, carbon footprint of a base and to save on fuel bills for the families of serving personell?

Admittedly it would take a while to provide EPCs for the entire stock of houses that the MOD currently owns but I do think it is something that should happen. After all the MOD are technically landlords in this situation.

Ok the UK have EPCs whats everyone else have?

I have been having a look online today to see what is other countries are doing to reduce the carbon footprint.

I have found that on average, every American is responsible for about 22 tons of carbon dioxide emissions every year, according to statistics compiled by the United Nations but there is no EPC or similar type of survey in the US according to my searches.

I looked at several other countries to see what they had that was similar to the EPC and again couldn't find anything. Maybe it is the way I am searching or the words I put in the search engine but surely other countries should have something similar to the EPC to help reduce the carbon footprint of commercial and domestic properties.

I only hope that if they do take up the EPC in USA and other countries that they put a cap on the training providers! And I can always hope that I might get invited over to demonstrate the value of the EPC!