the complete guide to buying, developing & investing in green property catherine dawson the complete guide to buying, developing & investing in green property This฀page฀intentionally฀฀ left฀blank ii This฀page฀intentionally฀฀ left฀blank iii This฀page฀intentionally฀฀ left฀blank iv This฀page฀intentionally฀฀ left฀blank v This฀page฀intentionally฀฀ left฀blank vi This฀page฀intentionally฀฀ left฀blank vii This฀page฀intentionally฀฀ left฀blank viii This฀page฀intentionally฀฀ left฀blank ix 242 Useful Websites฀ ฀ www.recycleworks.co.uk This฀ company฀ manufactures฀ and฀ sells฀ recycling฀ products฀ such฀ as฀ composting฀ equipment,฀ water฀ butts,฀ waste฀ organizations฀ systems฀ and฀shredders.฀It฀also฀has฀a฀‘giveaway’฀service฀that฀enables฀users฀to฀ offer฀unwanted฀items฀in฀good฀condition฀free฀of฀charge www.wigglywigglers.co.uk This฀company฀offers฀sustainable฀products฀ranging฀from฀various฀type฀ of฀worm฀composting฀equipment฀to฀bird฀boxes฀and฀feeders.฀On฀the฀ website฀you฀can฀find฀useful฀advice฀about฀worm฀composting www.livingclean.co.uk On฀ this฀ website฀ you฀ can฀ obtain฀ environmentally฀ friendly฀ cleaning฀ products฀which฀are฀based฀on฀natural฀products฀and฀free฀from฀harmful฀ chemicals.฀The฀company฀also฀offers฀a฀cleaning฀service฀for฀landlords,฀ using฀ its฀ environmentally฀ friendly฀ products฀ to฀ clean฀ carpets,฀ upholstery,฀ovens฀and฀bathrooms Government฀departments,฀schemes฀and฀ programmes www.communities.gov.uk This฀ is฀ the฀ Department฀ for฀ Communities฀ and฀ Local฀ Government฀ website.฀ Here฀ you฀ can฀ find฀ comprehensive฀ information฀ about฀ the฀ Housing฀ Act฀ 2004,฀ including฀ information฀ about฀ the฀ new฀ Housing฀ Health฀and฀Safety฀Rating฀System฀(HHSRS)฀assessment www.eca.gov.uk On฀ this฀ website฀ you฀ can฀ obtain฀ details฀ about฀ the฀ enhanced฀ capital฀ allowance฀ (ECA)฀ scheme,฀ and฀ information฀ about฀ the฀ technologies฀ that฀are฀included฀within฀this฀scheme www.hmrc.gov.uk On฀ this฀ website฀ you฀ can฀ obtain฀ more฀ information฀ about฀ claiming฀ ECAs,฀along฀with฀information฀about฀all฀other฀tax฀issues www.lowcarbonbuildings.org.uk This฀ is฀ the฀ website฀ of฀ the฀ Low฀ Carbon฀ Buildings฀ Programme.฀ On฀ this฀ site฀ you฀ can฀ find฀ information฀ about฀ grants฀ available฀ for฀ the฀ installation฀of฀renewable฀energy฀technologies ฀฀ ฀ Useful฀Websites฀ 243 www.fsa.gov.uk The฀Financial฀Services฀Authority฀(FSA)฀is฀the฀independent฀regulator฀ set฀up฀by฀the฀government฀to฀look฀after฀the฀financial฀services฀industry฀ and฀protect฀customers.฀On฀its฀website฀you฀can฀obtain฀information฀on฀ financial฀ planning,฀ insurance,฀ pensions,฀ mortgages,฀ and฀ warnings฀ about฀scams,฀people฀and฀companies฀to฀avoid www.neighbourhood.statistics.gov.uk You฀ can฀ find฀ statistics฀ for฀ local฀ areas฀ on฀ a฀ wide฀ range฀ of฀ subjects,฀ which฀include฀population,฀crime,฀health฀and฀housing,฀on฀this฀site.฀By฀ entering฀the฀postcode฀of฀the฀property฀in฀which฀you฀are฀interested฀you฀ can฀obtain฀summary฀statistics฀of฀the฀area฀based฀on฀the฀2001฀Census.฀ A฀useful฀table฀shows฀you฀the฀average฀house฀prices฀of฀different฀types฀ of฀ property฀ in฀ your฀ area,฀ your฀ county฀ and฀ in฀ England฀ and฀ Wales.฀ You฀can฀also฀view฀the฀statistics฀by฀subject:฀‘housing’฀reveals฀many฀ different฀ tables,฀ ranging฀ from฀ accommodation฀ type฀ to฀ occupancy฀ rating www.landregisteronline.gov.uk Land฀ Register฀ Online฀ provides฀ easy฀ access฀ to฀ details฀ of฀ more฀ than฀ 20฀ million฀ registered฀ properties฀ in฀ England฀ and฀ Wales.฀ You฀ can฀ download฀ copies฀ of฀ title฀ plans฀ and฀ registers฀ in฀ PDF฀ format฀ for฀ £3฀ each,฀payable฀online฀by฀credit฀card www.ros.gov.uk This฀ is฀ the฀ website฀ of฀ the฀ Registers฀ of฀ Scotland฀ Executive฀Agency.฀ It฀ provides฀ information฀ about฀ Scotland’s฀ land฀ and฀ property.฀ On฀ the฀website,฀for฀a฀small฀fee,฀you฀can฀find฀out฀about฀property฀prices฀ anywhere฀in฀Scotland Trade฀organizations฀and฀professional฀associations www.aecb.net The฀ Association฀ for฀ Environment฀ Conscious฀ Building฀ (AECB)฀ is฀ a฀ network฀of฀individuals฀and฀companies฀with฀a฀common฀aim฀of฀promoting฀ sustainable฀ building.฀ On฀ the฀ website฀ you฀ can฀ find฀ information฀ about฀ improving฀ the฀ environmental฀ performance฀ of฀ your฀ property;฀ choosing฀ eco-friendly฀ products฀ and฀ avoiding฀ damaging฀ chemicals;฀using฀timber;฀and฀planning฀and฀developing฀eco-friendly฀ properties 244 Useful Websites฀ ฀ www.british-hydro.org The฀ British฀ Hydropower฀ Association฀ represents฀ the฀ interests฀ of฀ people฀ who฀ are฀ involved฀ in฀ the฀ production฀ of฀ hydro฀ power฀ in฀ the฀ United฀Kingdom,฀from฀large฀companies฀to฀individuals฀and฀charities.฀ On฀ its฀ website฀ you฀ can฀ find฀ comprehensive฀ information฀ about฀ producing฀hydro฀power฀and฀the฀costs฀involved www.nationalinsulationassociation.org.uk The฀ National฀ Insulation฀ Association฀ (NIA)฀ represents฀ the฀ manufacturers฀and฀installers฀of฀all฀types฀of฀insulation฀and฀draught-proofing.฀ On฀this฀website฀you฀can฀find฀details฀of฀an฀installer฀and฀manufacturer฀ in฀your฀area฀by฀accessing฀the฀Register฀of฀Members฀and฀the฀Register฀ of฀ Manufacturers.฀ The฀ website฀ contains฀ useful฀ information฀ about฀ insulation฀and฀draught-proofing฀techniques฀and฀materials www.ukrha.org The฀ UK฀ Rainwater฀ Harvesting฀Association฀ (UK-RHA)฀ is฀ a฀ limited฀ company฀ by฀ guarantee฀ that฀ serves฀ to฀ act฀ as฀ a฀ focal฀ point฀ for฀ organizations฀ with฀ business฀ interests฀ in฀ the฀ rainwater฀ harvesting฀ industry.฀ On฀ its฀ website฀ you฀ can฀ access฀ more฀ information฀ about฀ rainwater฀harvesting฀and฀obtain฀contact฀details฀of฀members www.thepfs.org The฀ Personal฀ Finance฀ Society฀ (PFS)฀ is฀ the฀ merged฀ professional฀ association฀ of฀ the฀ Life฀ Insurance฀ Association฀ and฀ the฀ Society฀ of฀ Financial฀ Advisers.฀ Visit฀ this฀ website฀ to฀ use฀ the฀ online฀ directory฀ of฀financial฀advisers฀in฀the฀United฀Kingdom.฀The฀website฀contains฀ useful฀information฀about฀various฀types฀of฀investment฀and฀obtaining฀ financial฀advice Directories www.unbiased.co.uk This฀is฀the฀Independent฀Financial฀Adviser฀Promotion฀(IFAP)฀website.฀ It฀is฀a฀directory฀of฀9,000฀individuals฀and฀organizations,฀covering฀over฀ 90฀per฀cent฀of฀registered฀IFAs฀in฀the฀United฀Kingdom.฀On฀the฀website฀ you฀can฀search฀for฀an฀IFA฀in฀your฀area฀by฀gender,฀investment฀type,฀ qualification฀ and฀ the฀ method฀ in฀ which฀ you฀ would฀ like฀ to฀ pay฀ for฀ advice ฀฀ ฀ Useful฀Websites฀ 245 Campaign฀groups฀and฀NGOs www.climnet.org The฀ Climate฀ Action฀ Network฀ (CAN)฀ is฀ a฀ worldwide฀ network฀ of฀ over฀365฀NGOs฀working฀to฀promote฀action฀on฀limiting฀the฀human฀ influence฀on฀climate฀change.฀On฀its฀website฀you฀can฀find฀information฀ about฀ climate฀ change฀ trends฀ and฀ signals,฀ along฀ with฀ information฀ about฀CAN฀offices www.climate-concern.com Climate฀ Concern฀ UK฀ is฀ a฀ campaign฀ group฀ focused฀ on฀ increasing฀ public฀ understanding฀ of฀ the฀ dangers฀ of฀ climate฀ change.฀ On฀ the฀ website฀ you฀ can฀ obtain฀ information฀ about฀ the฀ effects฀ of฀ climate฀ change,฀ and฀ useful฀ information฀ to฀ combat฀ scepticism฀ over฀ climate฀ change Further฀reading Callard,฀ S฀ and฀ Millia,฀ D฀ (2001)฀ The฀ Complete฀ Book฀ of฀ Green฀ Living,฀ Carlton,฀London Chiras,฀D฀(2002)฀The฀Solar฀House:฀Passive฀heating฀and฀cooling,฀Chelsea฀ Green,฀Post฀Mills,฀Vermont Chiras,฀ D฀ (2004)฀ The฀ New฀ Ecological฀ Home:฀ A฀ complete฀ guide฀ to฀ green฀ building฀options,฀Chelsea฀Green,฀Post฀Mills,฀Vermont Clift,฀J฀and฀Cuthbert,฀A฀(2006)฀Energy:฀Use฀less,฀save฀more,฀Green฀Books,฀ Totnes Clift,฀J฀and฀Cuthbert,฀A฀(2006)฀Water:฀Use฀less,฀save฀more,฀Green฀Books,฀ Totnes Dawson,฀C฀(2006)฀The฀Complete฀Guide฀to฀Property฀Development฀for฀the฀ Small฀Investor,฀Kogan฀Page,฀London Dean,฀A฀(2003)฀Green฀by฀Design,฀Gibbs฀M฀Smith,฀Layton,฀Utah Hall,฀ K฀ (ed)฀ (2005)฀ The฀ Green฀ Building฀ Bible,฀ Green฀ Building฀ Press,฀ Llandysul Hancock,฀J฀(2005)฀An฀Investor’s฀Guide฀to฀Ethical฀and฀Socially฀Responsible฀ Investment฀ Funds:฀ A฀ unique฀ analysis฀ of฀ UK฀ based฀ investment฀ funds,฀ Kogan฀Page,฀London Harland,฀E฀(1999)฀Eco-Renovation:฀Ecological฀home฀improvement฀guide,฀ Resurgence฀Books,฀London Harris,฀C฀and฀Borer,฀P฀(2005)฀The฀Whole฀House฀Book:฀Ecological฀building฀ design฀and฀materials,฀2nd฀edn,฀Centre฀for฀Alternative฀Technology,฀ Machynlleth Hegarty,฀M฀(2000)฀The฀Little฀Book฀of฀Living฀Green,฀Nightingale฀Press,฀ Royston Kennedy,฀ J฀ F,฀ Smith,฀ M฀ G฀ and฀ Wanek,฀ C฀ (2002)฀ The฀ Art฀ of฀ Natural฀ Building:฀ Design,฀ construction,฀ resources,฀ New฀ Society,฀ Gabriola฀ Island,฀British฀Colombia Hymers,฀ P฀ (2006)฀ Converting฀ to฀ an฀ Eco-Friendly฀ Home:฀ The฀ complete฀ handbook,฀New฀Holland,฀London Jones,฀E฀(2006)฀Go฀Make฀a฀Difference,฀3rd฀edn,฀Think฀Books,฀London Litchfield,฀ C฀ (ed)฀ (2005)฀ The฀ Organic฀ Directory฀ 2006,฀ Green฀ Books,฀ Totnes ฀฀ ฀ Further฀Reading฀ 247 Norris,฀S฀(2005)฀Superkids!฀250฀incredible฀ways฀for฀kids฀to฀save฀the฀planet,฀ Think฀Books,฀London Plowright,฀T.฀(2007)฀Eco-centres฀and฀Courses,฀Green฀Books,฀Totnes Roberts,฀J฀(2003)฀Good฀Green฀Homes,฀Gibbs฀M฀Smith,฀Layton,฀Utah Roaf,฀S฀(2001)฀Eco฀House:฀A฀design฀guide,฀Architectural฀Press,฀Oxford Roulac,฀J฀(1998)฀Backyard฀Composting,฀Green฀Books,฀Totnes Scott,฀N฀(2003)฀Composting฀for฀All,฀Green฀Books,฀Totnes Scott,฀N฀(2004)฀Reduce,฀Reuse,฀Recycle!฀An฀easy฀household฀guide,฀Green฀ Books,฀Totnes Siegle,฀L฀(2001)฀Green฀Living฀in฀the฀Urban฀Jungle,฀Green฀Books,฀Totnes Smith,฀ P฀ (2003)฀ Eco-Refurbishment:฀ A฀ practical฀ guide฀ to฀ creating฀ an฀ energy฀efficient฀home,฀Architectural฀Press,฀Oxford Snell,฀ C฀ and฀ Callahan,฀ T฀ (2005)฀ Building฀ Green:฀ A฀ complete฀ how-to฀ guide฀to฀alternative฀building฀methods,฀Lark฀Books,฀Asheville,฀North฀ Carolina Trask,฀C฀(2006)฀It’s฀Easy฀Being฀Green:฀A฀handbook฀for฀earth฀friendly฀living,฀ Gibbs฀Smith,฀Layton,฀Utah Warren,฀ P฀ (2003)฀ How฀ to฀ Store฀ your฀ Garden฀ Produce:฀ The฀ key฀ to฀ self฀ sufficiency,฀Green฀Books,฀Totnes Index alternative฀energy฀ assessment฀ 66,฀67,฀82 animal฀welfare฀ 94,฀104 argon-gas-filled฀windows฀see฀ glazing arms฀trade฀ 94 Association฀for฀Environment฀ Conscious฀Building฀ 156,฀ 161,฀184,฀189,฀236–37,฀ 243–44 Association฀of฀Home฀ Information฀Pack฀ Providers฀ 72,฀82,฀233 Association฀of฀Independent฀ Inventory฀Clerks฀ 131,฀140,฀ 236 BFRC฀see฀British฀Fenestration฀ Rating฀Council฀ bio-fuels฀ 40,฀95,฀215 blown฀mineral฀wool฀see฀ insulation฀materials borehole฀see฀geothermal฀power boundary฀disputes฀ 146,฀147–48 British฀Fenestration฀Rating฀ Council฀ 28,฀50–51,฀229 British฀Hydropower฀ Association฀ 36,฀53,฀67,฀฀ 244 British฀Photovoltaic฀ Association฀ 40,฀66 British฀sheep’s฀wool฀see฀ insulation฀materials British฀Wind฀Energy฀ Association฀ 35,฀52,฀66,฀183,฀ 233 brush฀draught-proofing฀see฀ draught-proofing฀materials building฀preservation฀notice฀ 166 building฀regulations฀ 146,฀ 169–70 Building฀Research฀ Establishment฀ 188,฀ 229–230 carbon฀offset฀schemes฀ 21–22 Carbon฀Trust฀ 12–13,฀227–28,฀ 240 CarbonNeutral฀Company฀ 94฀ CAT฀see฀Centre฀for฀Alternative฀ Technology Cavity฀Insulation฀Guarantee฀ Agency฀ 21,฀50,฀237 cavity฀wall฀insulation฀see฀ insulation Central฀Heating฀ Programme฀ 48,฀86,฀139,฀ 213,฀226 Centre฀for฀Alternative฀ Technology฀ 51–52,฀฀ 219–20 CFLS฀see฀lighting CIGA฀see฀Cavity฀Insulation฀ Guarantee฀Agency Clean฀Air฀Act฀ 66 ฀฀ Climate฀Action฀Network฀ 14,฀ 245 Climate฀Care฀ 94 Climate฀Concern฀UK฀ 14,฀245 Climate฀Group฀ 30 code฀of฀business฀ethics฀ 9,฀95,฀ 98,฀99,฀110 Community฀Action฀for฀ Energy฀ 11,฀225 Community฀Composting฀ Network฀ 193 compact฀fluorescent฀lamps฀see฀ lighting composting฀ 191,฀192–93,฀195,฀ 200,฀205,฀241 composting฀toilets฀ 60,฀79,฀146 condensing฀boiler฀ 16,฀55,฀78,฀ 81,฀95,฀132,฀133 conservation฀areas฀ 60 cork฀see฀insulation฀materials Council฀of฀Licensed฀ Conveyancers฀ 73,฀236 Council฀of฀Mortgage฀ Lenders฀ 102 crop฀rotation฀ 193 ฀ Index฀ 249 double-glazing฀see฀glazing draught฀excluders฀see฀draughtproofing฀materials draught-proofing฀materials brush฀ 25 draught฀excluders฀ 25 foam฀ 25 sealant฀ 25 strip฀ 25 weather฀bars฀ 25 eco-development฀projects฀ 106 eco-friendly฀materials fixtures฀and฀fittings฀ 69 furnishings฀ 69 timber฀ 153 paints฀and฀wallpaper฀ 69,฀77,฀ 81,฀156 wood฀finishes฀ 156 ecological฀payback฀ 94–95 Ecology฀Building฀Society฀ 95,฀ 100–01 e-conveyancing฀see฀electronic฀ conveyancing eco-tourism฀ 106 electricity DCLG฀see฀Department฀for฀ off-peak฀electricity฀ 28 Communities฀and฀Local฀ electricity฀metres฀ 29 Government green฀fund฀ 35,฀42 DEFRA฀see฀Department฀for฀ green฀tariff฀ 4,฀35,฀42,฀55,฀77,฀ Environment,฀Food฀and฀ 81 Rural฀Affairs national฀grid฀ 35,฀42,฀182 Department฀for฀ electricity฀metres฀see฀electricity Communities฀and฀Local฀ electronic฀conveyancing฀ 70,฀฀ Government฀ 71–72,฀76,฀82,฀ 82 83,฀118,฀134,฀230,฀242 empty฀property฀grants฀ 118–19,฀ Department฀for฀Environment,฀ 158,฀209–10 Food฀and฀Rural฀Affairs฀ 13,฀ endowments฀ 95,฀103,฀109 212 energy฀audit฀ 61,฀82 Department฀for฀Work฀and฀ Energy฀Efficiency฀Advice฀ Pensions฀ 109 Centre฀ 49,฀128,฀224 DIY฀builders฀and฀converters฀ energy฀efficiency฀assessment฀ ฀ refund฀scheme฀ 184,฀218 250 Index฀ ฀ Energy฀Efficiency฀ Commitment฀ 48–49,฀116,฀ 177 energy฀performance฀ certificate฀ 42,฀58–60,฀90,฀ 94,฀105,฀107,฀143 Energy฀Saving฀Recommended฀ logo฀ 121,฀136,฀182 Energy฀Saving฀Trust฀ 6,฀8,฀ 10–11,฀16,฀20–21,฀25,฀ 28,฀ 30,฀40,฀75,฀120–121,฀ 128,฀135,฀136–37,฀182,฀215,฀ 216,฀223–24,฀239 energy-saving฀light฀bulbs฀see฀ lighting Energywatch฀ 29 English฀Heritage฀ 166 enhanced฀capital฀ allowance฀ 119–120,฀128,฀ 157,฀162,฀216–17,฀242 EPC฀see฀energy฀performance฀ certificate equity฀release฀ 13 EST฀see฀Energy฀Saving฀Trust ethical฀code฀of฀practice฀ 94 ethical฀financial฀advisers฀ 95,฀ 99–100 ethical฀funds฀ 95,฀109 Ethical฀Investment฀Research฀ Service฀ 93,฀96,฀100,฀101,฀ 102,฀227–29 Ethical฀Investors฀ Association฀ 114,฀240 Ethical฀Investors฀Group฀ 93,฀ 113,฀228 ethical฀mortgages฀see฀mortgages ethical฀policy฀ Ethical฀Trading฀Initiative฀ 194,฀ 204–05,฀234–35 EU฀energy฀label฀see฀European฀ Energy฀Label EU฀Performance฀of฀Buildings฀ Directive฀ 82 European฀Energy฀Label฀ 28,฀30,฀ 121 external฀cladding฀see฀insulation฀ materials external฀render฀see฀insulation฀ materials external฀wall฀insulation฀see฀ insulation฀ Faculty฀of฀Party฀Wall฀ Surveyors฀ 147,฀161 Fairtrade฀Foundation฀ 204,฀238 Financial฀Services฀ Authority฀ 98,฀99,฀101,฀111,฀ 243 fire-retarded฀recycled฀ newspaper฀see฀insulation฀ materials flexible฀thermal฀lining฀see฀ insulation฀materials foam฀draught-proofing฀see฀ draught-proofing฀materials Forest฀Stewardship฀ Council฀ 153,฀162,฀182 Foundations฀see฀home฀ improvement฀agencies Friends฀of฀the฀Earth฀ 42 FSA฀see฀Financial฀Services฀ Authority FSC฀see฀Forest฀Stewardship฀ Council gas฀metres฀ 29 genetic฀modification฀ 94 geothermal฀power borehole฀ 40,฀66 geothermal฀heat฀ 40,฀79,฀81 geothermal฀heat฀pumps฀ 40,฀ 95,฀214,฀215 ground฀loop฀ 40฀ trench฀ 40,฀66 glazing argon-gas-filled฀windows฀ 28 ฀฀ double-glazing฀ 25–28,฀78,฀ 81,฀95 glazing฀facing฀south฀ 55 low-e฀glazing฀ 25,฀28 PVC฀windows฀ 25 triple-glazing฀ 25,฀28,฀78,฀81,฀ 95 wooden฀window฀frames฀ 25,฀ 78 global฀trade฀ 94 Green฀Building฀Store฀ 20,฀153,฀ 162,฀182,฀240฀ Green฀Electricity฀Market฀ Place฀ 42,฀53,฀241 green฀fund฀see฀electricity Green฀Landlords’฀Scheme฀ ฀ 115–16 Green฀Register฀ 153,฀162 green฀tariff฀see฀electricity Greenpeace฀ 42 grey-water฀collection฀ 60,฀198,฀ 199 ground฀loop฀see฀geothermal฀ power ฀ Index฀ 251 home฀information฀pack฀ 8,฀61,฀ 70,฀80–81,฀88 houses฀in฀multiple฀occupation฀ grants฀ 117,฀159,฀210-11 Housing฀Health฀and฀Safety฀ Rating฀System฀ 49,฀118,฀ 119,฀124,฀158,฀159,฀209,฀210 HRC฀see฀home฀condition฀report human฀rights฀ 94,฀104 hydro฀power฀ 35–36,฀67,฀79,฀81,฀ 143,฀214,฀215 individual฀savings฀ accounts฀ 95,฀103,฀109 insulation cavity฀wall฀insulation฀ 21,฀30,฀ 78,฀81,฀95,฀116,฀136,฀208,฀ 211 external฀wall฀insulation฀ 21,฀ 78,฀81 internal฀wall฀insulation฀ 21,฀ 78,฀81฀ loft฀insulation฀ 20,฀30,฀55,฀77,฀ 95,฀116,฀136,฀208,฀211 insulation฀boards฀see฀insulation฀ health฀and฀safety฀ 171,฀175 materials Heating฀and฀Hot฀Water฀Industry฀ insulation฀materials Council฀ 20,฀52–53,฀฀ blown฀mineral฀wool฀ 21 239–240 British฀sheep’s฀wool฀ 20,฀153 heating฀controls฀ 20,฀30,฀55,฀77,฀ cork฀ 25 81,฀208 external฀cladding฀ 21 HHSRS฀see฀Housing฀Health฀and฀ external฀render฀ 21฀ Safety฀Rating฀System fire-retarded฀recycled฀ HIP฀see฀home฀information฀pack newspaper฀ 20,฀153 home฀condition฀report฀ 81–82 flexible฀thermal฀lining฀ 21 home฀energy฀efficiency฀ insulation฀boards฀ 21 grants฀ 138,฀158,฀208 plant-fibre฀board฀ 21 Home฀Energy฀Efficiency฀ polystyrene฀beads฀ 21 Scheme฀ 20,฀47,฀86,฀138,฀ rigid฀thermal฀board฀ 21 211–12,฀226 rubber฀ 25 home฀improvement฀ tube฀sealant฀ 21 agencies฀ 13–14,฀138,฀209,฀ urea฀formaldehyde฀foam฀ 21 225–26 wool฀quilts฀ 21 252 Index฀ ฀ insurance฀ accident,฀sickness฀and฀ unemployment฀ insurance฀ 93 buildings฀and฀contents฀ insurance฀ 69 buy-to-let฀insurance฀ 93 critical฀illness฀insurance฀ 93 ethical฀insurance฀ 93 green฀buildings฀and฀contents฀ insurance฀ 70–71฀ home฀insurance฀ 13 life฀insurance฀ 93,฀109–110 mortgage฀protection฀ 93 rent฀guarantee฀insurance฀ 93 site฀insurance฀ 171,฀175 integrated฀digital฀ televisions฀ 30,฀136 internal฀wall฀insulation฀see฀ insulation inventory฀ 131 ISAs฀see฀individual฀savings฀ accounts Land฀Registration฀Act฀2002฀ 47 Land฀Registry฀ 61,฀69,฀70,฀73,฀ 147–48,฀161–62,฀243 landfill฀gas฀ 41 landlords’฀energy฀savings฀ allowance฀ 116,฀119 LCBP฀see฀Low฀Carbon฀Buildings฀ Programme lighting compact฀fluorescent฀ lamps฀ 28 energy-saving฀light฀bulbs฀ 28,฀30,฀73,฀81,฀135,฀208,฀ 211 listed฀buildings฀ 60,฀68,฀145,฀166 loft฀insulation฀see฀insulation Low฀Carbon฀Buildings฀ Programme฀ 8,฀35,฀40,฀48,฀ 53,฀86,฀160,฀185,฀214,฀242 low-e฀glazing฀see฀glazing Mailing฀Preference฀Service฀ 43 mortgages buy-to-let฀mortgage฀ 96–97 ethical฀mortgages฀ 94–96 green฀mortgages฀ 94 interest-only฀mortgages฀ 109 mortgages฀for฀green฀new฀ build฀and฀renovation฀ 96–97฀ National฀Association฀of฀Estate฀ Agents฀ 85,฀87,฀231–32 National฀Association฀of฀Loft฀ Insulation฀Contractors฀ 20,฀ 50,฀232–33 National฀Energy฀Foundation฀ 6,฀ 11–12,฀20–21,฀137,฀219,฀239 National฀House-Building฀ Council฀ 170 National฀Insulation฀ Association฀ 21,฀52,฀244 natural฀building฀materials straw฀bales฀ 55 timber฀frames฀ 55 NEF฀see฀National฀Energy฀ Foundation negative฀screening฀ 94,฀96,฀104,฀ 105,฀110 NHBC฀see฀National฀HouseBuilding฀Council NIA฀see฀National฀Insulation฀ Association nuclear฀power฀ 35,฀104 Office฀of฀Gas฀and฀Electricity฀ Markets฀ 29 off-peak฀electricity฀see฀electricity Ofgem฀see฀Office฀of฀Gas฀and฀ Electricity฀Markets Ombudsman฀for฀Estate฀ Agents฀ 85,฀87–88,฀232 ฀฀ One฀Million฀Sustainable฀Homes฀ project฀ 187 organic฀growing฀ 193–96 outline฀consent฀ 165,฀167 ฀ Index฀ 253 recycling aluminium฀foil฀ 45 cans฀ 44 car฀batteries฀ 46 cardboard฀ 43–44 Party฀Wall฀Act฀ 146–47 clothes,฀shoes฀and฀textiles฀ 45 pensions computers฀ 46 pension฀policy฀ 95 engine฀oil฀ 46 personal฀pensions฀ 106–09 furniture฀and฀appliances฀ self-invested฀personal฀ 46–47 pensions฀ 103,฀108 glass฀ 44 small฀self-administered฀ nappies฀ 45 schemes฀ 108 paper฀ 43 stakeholder฀pension฀ plastic฀ 44,฀191 schemes฀ 107 spectacles฀ 45 Pensions฀Advisory฀ Yellow฀Pages฀ 43 Service฀ 109,฀113–14,฀226 reforestation฀schemes฀ 29,฀94 Personal฀Finance฀Society฀ 100,฀ Registers฀of฀Scotland฀Executive฀ 102,฀244 Agency฀ 61,฀69,฀73,฀243 pest฀control฀ 194–95,฀242 Renewable฀Energy฀ Pesticide฀Action฀Network฀ Association฀ 35,฀51,฀237 UK฀ 194,฀204,฀223 Renewable฀Energy฀Assurance฀ photovoltaic฀cells฀see฀solar฀ Scheme฀ 35 power renovation฀grants฀ 49,฀118,฀158,฀ Planning฀Inspectorate฀ 168,฀ 209 186,฀231 Residential฀Property฀Price฀ planning฀permission฀ 60,฀66,฀96,฀ Report฀ 69 143,฀145,฀146,฀164–66,฀183,฀ restrictive฀covenants฀ 68 188 RHS฀see฀Royal฀Horticultural฀ plant-fibre฀board฀see฀insulation฀ Society materials rigid฀thermal฀board฀see฀ pollution฀ 68 insulation฀materials polystyrene฀beads฀see฀insulation฀ Royal฀Horticultural฀ materials Society฀ 185,฀196,฀198,฀202,฀ positive฀screening฀ 94,฀96,฀ 205,฀221,฀239 103–04,฀105,฀110 Royal฀Institute฀of฀British฀ property฀funds฀ 107–07 Architects฀ 175,฀186,฀235 PV฀cells฀see฀photovoltaic฀cells Royal฀Institute฀of฀Chartered฀ PVC฀windows฀see฀glazing Surveyors฀ 61,฀72,฀169,฀ 185–86,฀235 rainwater฀harvesting฀ 60,฀79,฀ rubber฀see฀insulation฀materials 198 Real฀Nappy฀Campaign฀ 45 SAP฀rating฀ 83,฀94 254 Index฀ ฀ SCHRI฀see฀Scottish฀Community฀ and฀Householder฀ Renewables฀Initiative Scottish฀Community฀and฀ Householder฀Renewables฀ Initiative฀ 35,฀40,฀48,฀86,฀ 160,฀184–85,฀214–15 sealant฀draught-proofing฀see฀ draught-proofing฀materials SIPPs฀(self-invested฀personal฀ pensions)฀see฀pensions smart฀metres฀ 29 soil฀ soil฀fertility฀ 29 soil฀management฀ 195–96 soil฀type฀ 84 Soil฀Association฀ 195,฀200,฀203,฀ 222–23 solar฀collectors฀see฀solar฀power solar฀panels฀see฀solar฀power solar฀power photovoltaic฀cells฀ 36,฀40,฀95,฀ 215 solar฀collectors฀ 40 solar฀panels฀ 40,฀66,฀79,฀81 solar฀radiation฀ 36 solar฀thermal฀ technologies฀ 26,฀40,฀95,฀ 214,฀215 solar฀water฀pump฀ 199 solar฀radiation฀see฀solar฀power solar฀thermal฀technologies฀see฀ solar฀power Stamp฀Duty฀Land฀Tax฀ 69,฀184,฀ 217–18 statement฀of฀ethical฀ principals฀ Straw฀Bale฀Building฀ Association฀ 176,฀187,฀234 straw฀bales฀see฀natural฀building฀ materials strip฀draught-proofing฀see฀ draught-proofing฀materials structural฀warranties฀ 170 Supporting฀People฀ Programme฀ 13 Sustainable฀Energy฀Policy฀ Division฀ 13,฀230 tenancy฀agreement฀ 131,฀141 tidal฀power฀ 41 timber฀frames฀see฀natural฀ building฀materials triple-glazing฀see฀glazing tube฀sealant฀see฀insulation฀ materials UK฀Rainwater฀Harvesting฀ Association฀ 244 UK฀Social฀Investment฀ Forum฀ 112,฀234 UK฀Timber฀Frame฀ Association฀ 176,฀187 UK฀Wind฀Speed฀Database฀ 66,฀ 183 urea฀formaldehyde฀foam฀see฀ insulation฀materials ventilation฀ 9,฀21,฀126 volatile฀organic฀ compounds฀ 156 Walter฀ Segal฀Self฀Build฀ Trust฀ 176 waste฀incineration฀ 42 wave฀power฀ 41 weather฀bars฀see฀draughtproofing฀materials Wildlife฀Trust฀ 202–03,฀221–22,฀ 239 wind฀power฀ 36,฀79,฀81,฀95,฀143,฀ 183,฀214,฀215 wooden฀window฀frames฀see฀ glazing wood-fired฀central฀heating฀ system฀ 66 ฀฀ wool฀quilts฀see฀insulation฀ materials WWF฀ 187–88,฀220–21 worm฀composting฀ 193,฀206,฀ 242 ฀ Index฀ 255 Warm฀Deal฀ 20,฀47,฀86,฀139,฀ 212–13,฀226 Warm฀Front฀ 20,฀47,฀86,฀138,฀ 139,฀212,฀226 Warm฀Homes฀ 20,฀48,฀86,฀139,฀ 213,฀226 Index฀of฀advertsiers Baufritz฀ 177–79 Baxi฀ 17–19 Dimplex฀ 62–65 earthBorn฀Paints฀ 149–52 Ecological฀Building฀Systems฀ 56–59 Glass฀and฀Glazing฀Federation฀ 22–24 Good฀Energy฀Ltd฀ 31–34 Heuga฀ xviii–xxiii฀ Huf฀Haus฀ 172–74 Initial฀Lights฀ 26–27฀ Kingspan฀International฀ iv–v Leeds฀Building฀Society฀ 90–92 NICEIC฀ xii Plan-M฀ 180–81 Polypipe฀ ix–xi Tyˆ-Mawr฀ 154–55 Vaillant฀ ii–iii Villavent฀ 37–39 Worcester฀Bosch฀Group฀ vi–viii ... guide to buying, developing & investing in green property This฀page฀intentionally฀฀ left฀blank ii This฀page฀intentionally฀฀ left฀blank iii This฀page฀intentionally฀฀ left฀blank iv This฀page฀intentionally฀฀... websites฀114;฀Further฀reading฀114 7฀ ฀ ฀ ฀ Landlords฀ 115 Understanding฀the Green Landlords’฀Scheme฀115;฀ Knowing฀about฀grants and loans฀for฀landlords฀116;฀ Knowing฀about฀tax฀incentives฀for฀landlords฀119;฀Producing฀... Buying฀land฀164;฀Obtaining฀permission฀165;฀Understanding฀rules,฀regulations and procedures฀169;฀Planning฀ and designing฀175;฀Ethical฀purchasing and sourcing฀182;฀ Generating฀your฀own฀energy฀182;฀Obtaining฀grants and tax฀incentives฀184;฀Summary฀185;฀Useful฀organizations฀