HIP older than 6mths old. Problem?
Discussion
Some advice folks...
I have bought a house which first went on sale in July. Therefore the HIP that was put together then is more than 6mths old.
Doesnt bother me (not sure if it should) but my mortgage lender now wants a further 250 quid to do further searches as its more than the 6mths old. I don't think I should pay this. Would be good to get my facts right before I complain so am I in the right??
I have bought a house which first went on sale in July. Therefore the HIP that was put together then is more than 6mths old.
Doesnt bother me (not sure if it should) but my mortgage lender now wants a further 250 quid to do further searches as its more than the 6mths old. I don't think I should pay this. Would be good to get my facts right before I complain so am I in the right??
mybrainhurts said:
Why are the lender and solicitor interested in this rubbish...?
Thought it was just an energy efficiency thing...?
The EPC is the most useless part of a HIP; unless you need someone to tell you that a victorian house will be less energy efficent than a new build house, or that you could be more energy efficient by insulating your house and using low energy lightbulbs. HIP's also contain local and drainage searches which are valid for 6 months, and most HIP's contain searches carried out by private search companies (because they are cheaper); they are worse than useless, and mostly contain "we don't know" as their reply to some important questions. I believe the seller is obliged to provide up to date searches, and whilst they may argue the toss, in the current market I'd insist they provide up to date official searches done by the relevant local authority/water board.Thought it was just an energy efficiency thing...?
Edited by mybrainhurts on Monday 30th March 00:15
EdJ said:
There must be so many people out there who want to test the market by putting their house on up for sale, but are put off by these blasted HIPs. I'm one of them. Everytime I think about it I have to try to think of something else because it annoys me so much.
You'll be apoplectic to know that they've just changed the rules on them then.Prior to April you could makret a house without a hip as long as it had been commissioned.
As of April the hip has to have physically been produced.
so the housing market is stuttering and the fkwits just made it worse....
I put my house on the market about 6 weeks ago and I agree that HIP`s are an absolute farce. When I tried to arrange the inspection the suggestion was made that I leave a house key with a neighbour so that they could get access. So, you expect me to let an absolute stranger who I have never met into my house without me there? Like fk. It was arranged for 3pm - they arrived at 4pm - I need`nt have left work early after all.
When it was done, I asked the guy who was carrying out the inspection what he thought: "I dunno mate, it`s all fed into a computer and that determines the energy efficiency". I asked what difference energy saving light bulbs made when he asked if a certain light fitting had one. For the inspection it mattered, the fact the next owner could replace them with non energy saving bulbs therefore making a mockery of the inspection did`nt matter. Unreal.
When it was done, I asked the guy who was carrying out the inspection what he thought: "I dunno mate, it`s all fed into a computer and that determines the energy efficiency". I asked what difference energy saving light bulbs made when he asked if a certain light fitting had one. For the inspection it mattered, the fact the next owner could replace them with non energy saving bulbs therefore making a mockery of the inspection did`nt matter. Unreal.
The vendor pays the for the HIP. I had thought they were valid for 12 months.....
As noted previously, a COMPLETE waste of money. I had to have a couple done recently, the 17th century cottage HIP document said:
1. recommend solar panels on roof. Saving £57 per annum.
That would look lovely. Should pay for itself in three and half thousand years.
2. Poor insulation (assumed)
'Assumed'?! WTF. Has great insulation, but the plank was only there for 3 minutes, so no time to check.
A real rip off, the whole thing.....
matt21 said:
Another fustrating situation!
They have said it is ME who has to pay as the HIP is over 6mths old. I totally disagree!
If you are buying, no way do you have to pay. It is the vendor who pays for the HIP.They have said it is ME who has to pay as the HIP is over 6mths old. I totally disagree!
Don't know who your mortgage company is, but as mentioned above, they still do their own searches anyway.
PGM said:
The house we are purchasing stated that it was 250mm solid wall construction (which it is having been built in 1812).
One of the recommendations was to install cavity wall insulation and even gave a cost saving of £50 per year in heating bills!
Feckin says it all.One of the recommendations was to install cavity wall insulation and even gave a cost saving of £50 per year in heating bills!
It's the most ridiculous piece of legislation I know. It would be amusing if we didn't have to cough up hundreds on these stupid reports that neither seller or buyer wants or needs.
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