Green Deal

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The Green Deal is the new government initiative that is designed to help business and home owners to employ more green technologies in their properties. The idea is simple; install new green technology into your property with no up front costs. productsviewYou will pay back the costs through your energy bill over a period of time. This is unlike a conventional loan because if you move out of the property the bill stays with the property where the savings are occurring and not with the bill payer.

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The “golden rule” of the Green Deal is; the expected financial savings must be equal to or greater than the costs attached to the energy bill.

Key to the government’s thinking is that the building stock in Britain is some of the oldest in Europe and to bring it up to date, it needs to be properly insulated. Once the buildings are properly insulated, occupiers will spend less money on heating them.

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productsviewThe Government is calling the technology that will be installed in buildings ‘measures’. The measures fall into two broad areas, the first being insulation and controls, such as lighting controls and smart meters to view your energy usage.

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The second area being power generation, such as micro power generation through PV solar panels or air source heat pumps. There are going to be many Green Deal Products being added as the initiative starts on the 28th of January 2013!

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*if you take out a measure with us we will give you your fee back plus you will get cash back.

Book your refundable* Green Deal assessment NOW!

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greendeal12The Government is aiming the Green Deal squarely at homeowners and reto fitting as many older type properties as is possible. The biggest winners are going to be the older style properties built prior to the 1920?s. There is a limit of £10,000 for domestic home owners at present. Homeowners will be able to install the following types of green measures;

  • Wall insulation both solid and cavity walls will be covered.
  • Loft insulation
  • Double glazing
  • Door insulation
  • Smart meters

The above measures are aimed at reducing demand on your energy, once these have been installed it will cost you less to heat your home thus cutting your energy bill.

The other types of measures that will be covered by the Green Deal are ‘energy in’ measures these will include:

  • Solar power, both Thermal and Photo Voltaic panels
  • Air and ground source heat pumps
  • Biomass boilers

Because these types of technology use less power to heat your water and home, the idea is that you will be cutting your energy bill in the long term.

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Each property will have to be rigorously inspected by a Green Deal accredited advisor to see which measures will return the best results. The Green Deal for homes will enable up to 26 million homes to be upgraded over the next 25 years.

Once the assessment has been made of the property the advisor will make suggestions to the home owner of Green Deal providers and Green Deal Plan will be written outlining the work to be carried out. All Green Deal providers and materials will have been through a series of tests to ensure that the homeowner can expect a standard of workmanship and quality regardless of the tradespeople involved. All the work will have a warranty as well as all the materials used in the installation giving the home owner peace of mind.

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There is an element that all properties that want to take part in the Green Deal must pass; this has been named ‘The Green Deal’s Golden Rule’, this rule is intended to protect the property owner and act as the back bone of the initiative.

The Green Deal’s Golden Rule states that the energy savings a property makes in a 25 year period (it is possible to choose a shorter period of time, but return on investment must be paid for within the time period) must be equal to or more than the cost of implementing the changes in the first place. In essence no one wants to install a measure that won’t pay for itself.

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The “Golden Rule” also states that Installations must also be carried out by accredited Green Deal Installers. This ensures that the property owner is not investing money in work which will not save them money on their energy bills. Each property will first of all be visited individually by an objective Green Deal Assessor and then allocated an amount of money to buy the measures, no actual money will change hands, dependent on the potential savings.

With the emphasis on protecting the property owner, the Green Deal Golden Rule will place a cap on the amount that can be collected in the first year of a Green Deal payment to the estimated annual savings. This also safe guards the installers and helps reduce the risk of the property owner not being able to make the payments. The amount the Green Deal payments will increase by during the following years will also be controlled.

The Caveat

It is impossible to predict or guarantee a rise or fall in future energy costs. Although the Green Deal’s Golden Rule will protect the property owner in the short term, it is not possible to guarantee that future energy savings will not increase over longer periods of time. It is worth mentioning, however, that property owners who have invested in the Green Deal, are likely to see their energy costs rise less than they would have done without the Green Deal measures in place.

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What Can Tenants Expect From The Green Deal?

Tenants can apply for the Green Deal as long as they have the consent of the landlord. The landlord can also apply for the Green deal as long as they have an agreement with the tenant. Because the Green Deal will be benefit both the landlord and the tenant it is hoped that there will be a large take up of the initiative in the private rented sector.

According to the Department of Energy & Climate Change “the private rental sector has the highest proportion of least energy efficient homes – 5.8% of G rated properties compared with 3.4% in owner-occupier.” It appears that this sector has the most to gain both for tenants and for landlords.

Social housing tenants can also benefit from the Geen Deal. Across the country councils are gearing up to take advantage of the low borrowing rates that will be available through the Green Deal. Councils are well versed in larger scale projects to take advantage of the Green Deal and are used to working around occupied properties.

On benefits or Unemployed?

People who are claiming benefits of any sort can still apply for the Green Deal, as long as you are the energy bill payer at the property (i.e. you pay the gas and electricy bill). The first step to applying for the Green Deal will be to contact your landlord, in some cases this will be your local council. As a tenant you are entitled, by law, to apply for the Green Deal with the landlords permission

“Many householders in older properties, and those on benefits or low incomes may qualify for extra financial assistance. Call the Energy Saving Advice Service (England, Scotland and Wales) on 0300 123 1234 or visit www.gov.uk/greendeal to see if you’re eligible.” taken from gov.uk

(the gov.uk website is under going an update at present, our advice would be to call the help line to see if there is extra financial assistance available at this time) Feb 2013

The Green Deal and the law

In the longer term from April 2018 it will be unlawful to rent out a house or business premise which has less than an “E” energy efficiency rating. This will mean that all properties will eventually have to have both an up to date Energy Performance Certificate (EPC) and have a rating of E or above to be rented.

Fist step to apply for a Green Deal: Find an Assessor in your area Or find a Green Deal Provider who will send their own approved Assessor.

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The Coalition Government is going to help businesses be included in the forthcoming Green Deal. Businesses will be able to apply for funding to help improve the energy efficiency of their current building. After an assessment has been carried out outlining which technologies will be the most effective a business owner can apply for funding to have the installation made. The funding that will be available will be of a high value than is offered to home owners, although exact details have yet to be finalized.

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The difference between domestic Green Deal and Businesses who apply for the Green Deal

Businesses will have no upper cap in what they can apply for through the Green Deal. The limit will be set between the business and the provider. This means that businesses that are looking for large scale installations should use the Green Deal as a way to invest in Green Technologies to help them save money in the longer term.

The businesses building will be effectively responsible for the costs of all the improvements and these costs will be repaid through the energy bill related to the property. There will be no up front costs for the business to incur at the outset. The only cost will be the assessment, this might be waived or enveloped by the provider depending on the deal struck between the provider and the business applying.

The golden rule of the Green Deal also applies here it states that:

  • The expected financial savings must be equal to or greater than the costs attached to the energy bill

There are already existing schemes that some business might already be signed up to and the Green Deal will have to be worked into these obligations. Because of the layered complexity that is involved with the business sector there will be differences from the domestic market although the fundamental principals will remain the same.

Currently there are schemes, such as the Climate Change Agreements and the Carbon Reduction Commitment Energy Efficiency Scheme, which some businesses will be aware of. The government is currently looking at how these will all be aligned to make clear choices available to the business community.

Businesses will have the same measures available to them as domestic customers but some will not adhere to the Golden Rule of the Green Deal due to the size of some business premises. For example if a business is in a large warehouse it may not be cost effective to fit Solar panels to the building due to the high initial costs. It might however be cost effective to fit lighting controls and low energy lights which will give a much faster return on investment and fit into the Green Deals Golden Rule.

Book your refundable* Green Deal assessment NOW!

£159 Add to cart

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Book your refundable* Green Deal assessment NOW!

£159 Add to cart

We charge £159 + VAT for a assessment and this gives you the freedom to take your assessment to any company you wish to do so our agents are not sales people and not commission hungry however if you wish to discuss options and measures our assessors are fully trained on all products and measures offered by the Green Deal and if you take out a measure with us we will give you your fee back plus you will get cash back.

So its win win win no high pressure selling from agents on target driven conversion commission.

Reasons for taking green deal.

Make your home thermally efficient
Reduce fuel poverty
Carbon reduction scheme
Council tax banding (the more carbon your house omits the higher the council tax you will pay just like the car tax band scheme)
Reduce CO2
Better insulated homes that stay warmer for longer and reduce the need to continuously heat your home.
Long term sustainability for the future
Modernise your property
First time buyers can get a 95% mortgage on a home that has had green deal measures on it.
Property more desirable to potential buyers cheap to heat all modernised and looks cool.
Property modernised
Save on your fuel and utility bills.
Your appliances can last longer using water efficiently
Payments stay with the property not you
You will be asked why you never took advantage later when you moan about high council tax fees
Reduce the need to build nuclear power stations with lots of micro power stations
So the country is not reliant on importing coal and gas from Russia and else where to combat the price monopoly of big giant companies.
No need to burn as much fossil fuel and save the environment
Slow global warming
Protect the environment for the next generation of children and animals
Its the future its happening its not just a fad its here to stay
Build the economy back up and get people working again
Building regulations state that all new build properties have to have all these measures now so don’t age your property, keep it up to date, modern and cost effective