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Finance > Insurance > Home InsuranceLenders Show Support for Home Information Pack
Posted by nick_niesen in Finance on November 8th Matt Beleskey Jersey , 2010


Buying and selling a property doesn聮t always go according to plan. One in four transactions collapse before contracts are exchanged, wasting time and money.


The government is concerned that many house purchases fall through because of the time it takes to get to completion. Where there is a chain of buyers and sellers, just one person pulling out can ruin a whole series of purchases, costing all those involved money, time and patience. Government research suggests that 350 million is wasted by consumers every year as a result of aborted housing transactions. The government's solution to this problem is the introduction of Home Information Packs (HIPs).


From 1st Juke 2007 all home owners in England and Wales will need to arrange for a Home Information Pack to be prepared before putting their homes up for sale. The idea is that property sellers will produce a Home Information Pack (HIP) for potential buyers to see before they make an offer.
HIP will not be required for:


聲properties in Scotland and Northern Ireland
聲private sales where the property is not offered on the open market
聲non-residential property
聲homes held on a lease of less than 21 years
聲portfolios of residential property, etc.


Home Information Packs will provide important information to prospective purchasers at the very start of their interest in a new home, giving increased transparency on key issues and meaning any offer to purchase is based on an informed decision. Currently, much of this essential information only comes to light when an offer has been made and accepted. In the meantime, buyers are negotiating in the dark and are often wasting money on legal fees, searches and surveys.


The pack includes:


聲evidence of title
聲Replies to standard enquiries (whether you are aware of any problems with the property)
聲Copies of any planning, listed building and building regulations, consents and approvals
聲Copies of warranties and guarantees for new properties
聲Any guarantees for work that has been carried out on the property
聲A draft contract
聲A house condition report based on a professional structural survey of the property


Some estate agents are sceptical of the plans. President of the National Association of Estate Agents, Julie Westby says: 聯It imposes extra costs and red tape in an already complex market. It could have serious repercussions on housing transactions and consequently on house prices.聰 Also, introduction of the HIP could slow the housing market as each seller will have to find at least 600 to compile a pack.


All lenders recognise the need to improve the conveyance process, and there is widespread support for the e-conveyance initiative by the Land Registry. However, lenders have had mixed views about HIPs since the proposals were first developed. Members are not persuaded at this stage that the perceived consumer benefits will be achieved.


The Council of Mortgage Lender聮s head of policy Jackie Bennett said: 聯Lenders are generally not anti-Hip in principle. It is the practicalities, the government聮s expectations, and the possible unintended consequences that cause them concern."
In a clear sign of the change in attitudes towards HIPs, the Council of Mortgage Lenders (CML) has published a new report showing that lenders are happy to support the use of Home Information Packs. According to a CML survey, two thirds of lenders intend to provide packs.


If you are interested in learning how to surf, you should look for holiday surf packages. These packages will provide almost everything you need to a fun surf holiday. For example, they often provide accommodations, some meals, surfing instruction, and surfing equipment.


Choosing Where to Surf


If you are looking for a great surfing destination, there are hundreds throughout the world. One very popular surf destination for Europeans is the Canary Islands, more specifically, Fuerteventura. This is the second largest island in the archipelago, and it is considered a great place for both beginner and experienced surfers. The Canary Islands are part of Spain, and they are located to the south of that country and off the west coast of Africa. This makes this destination fairly easy for most Europeans to reach, and it is a great option for your next surfing holiday.


Choosing Surf Packages


When you are looking for surf packages, you want to find one that provides what you need. This is where Island Boarders Surf School comes into play. They have over seventeen years of experience with surfing and teaching people how to surf in Fuerteventura. They offer a wide variety of surf packages so that you can find one that works for your skill level.


They have one and two week packages, and they are placed into two categories: the basic package and the upgraded package. With the basic surf packages, they will pick you up from the airport, and you will stay in a surf hostel (with a shared room) during your stay. They provide transportation to and from the beach as well as all of your equipment like a wetsuit and a surfboard. This package also includes six days of packed lunches and five days of surf instruction. The hostel also provides breakfast. The upgraded packages include all of the same things except the accommodations are nicer, and you are housed in a self catering apartment. All packages include third party and liability insurance for all participants. The prices on these packages vary from about 鈧?00 to about 鈧?000.


If you already know how to surf, but you are still interested in surf packages, the Island Boarders Surf School has an option for you. They have four different tour packages. These packages last from one to two weeks, and they have basic surf package. Cheap Replica Jerseys Cheap Jerseys Cheap Jerseys Online Cheap Jerseys China Free Shipping Cheap New NHL Jerseys Cheap Nike NFL Jerseys Cheap College Baseball Jerseys Cheap Basketball Jerseys Cheap MLB Baseball Jerseys Cheap Authentic Soccer Jerseys
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