Archive for Green Deal

Official Launch of Green Deal

Official Launch of Green Deal

The Dep’t of Energy & Climate Change (DECC) has just announced that 28th January 2013 will be the official start of the energy saving Green Deal Loans & Grants. From this date Green Deal Providers will be able to offer home-owners and private tenants the first Green Loans to fund essential insulation and heating improvements

green deal surveyThe first step is to book a  Home Energy Assessment from a Green Deal Approved Advisor such as THINC Wethertex. For the time being there is a £100 cash back offer we are offering the survey free  on a first come first served basis.

The gateway to the Green Deal schemes is via a Green Deal Assessment survey, carried out by an approved Green Deal Advisor. The home survey inspects all the structural and behavourial aspects of a home and its occupants in relation to the quality and efficiency of the existing insulation and heating.

A report is produced that will show you exactly what insulation or heating measures your home would benefit from and whether you qualify for financial assistance for some or all of the cost.

Call Back 03300 889552 or EMAIL GREEN DEAL SURVEY

Who Qualifies

This is a complex area and qualification criteria varies dependent upon house type,the home improvement recommended and in some cases the level of income or benefits the applicant is in receipt of. Hence the need for a survey visit and report as the first step.

We can tell you,however,that anyone living in a solid wall home will qualify for external wall insulation and loft insulation regardless of income or benefits.

What Home Improvements are Included

green deal homeThere is a long list of measures contained within the survey software that may be eligible for full or partial funding.

Each home survey report will vary but we can tell you that the primary areas for financial assistance are for insulating older homes with solid walls and for upgrading single or old double glazing, loft insulation and inefficient heating systems with old style non-condensing boilers.

How Much Do I Get

The Green Deal scheme will comprise two financial elements. The first is a free grant contribution from the Energy Suppliers and the size of this depends upon the type of home improvement being installed and the house style and in some cases on income levels.

green grantsThe second element is a low interest loan tied to your electric meter which funds the shortfall – if any exists – between the free grant and the full cost of the measure being installed.

The two elements do not have to both be taken up ie you can take the grant without having to take the loan if you wish.

The only way to find out just what you are entitled to is to arrange a free Home Energy Assessment and see what the independent report recommends.

Call Back 03300 889552 or EMAIL GREEN DEAL SURVEY




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Insulating Solid Walls & The Green Deal

insulating green deal loans schemeAll owners of solid wall properties will qualify for some financial assistance under the finalised terms of the Government’s Green Deal according to the final draft version of the scheme.

After 2 years of waiting the scheme finally launched in January 2013 with the first energy saving improvements being fitted to homes later in 2013.

As predicted the main focus is on insulating all exterior parts of the home with the secondary emphasis being on efficient heating systems. In some cases double glazing and loft insulation are also included.


How The Green Deal Works

The whole process starts when a licensed Green Deal Advisor- such as Mike Dinmore- carries out an energy efficiency survey of the house and then produces a report containing recommendations to cut bills and save energy.

authorised green deal installerThe home-owner then uses the report to obtain quotes for any work they want doing from an authorised Green Deal Installer.

Once they know the costs, they approach a Green Deal Provider to see how much of  the cost is covered by a free grant and how much they will have to finance themselves either through their own funds or by using a Green Loan from one of the Providers.

If they use a Green Loan the repayments are added to the electricity bill and are collected by the Electricity Company and sent to the Green Loan Provider.

Customer Protection Guaranteed

The Government has introduced the “Golden Rule” to protect the home-owner and this states:

The costs of any Green Deal recommendation shall not exceed the expected reduction in energy bills over the term of the Green Deal.

In other words the home-owner will not be financially disadvantaged by upgrading their home as the bill savings should always exceed the cost of the work over the period of time the Green Deal was taken out over.



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Green Deal Advisor Grants

green house loansThe launch of the Government’s Green Deal Scheme in 2013 was built around an initial home energy assessment and survey.

This detailed survey kick-starts the whole process and is seen as being crucial to the success of the scheme.

The home inspection and survey can only be carried out by a fully trained and authorised Green Deal Advisor.

The idea being that no loans or grants from the Green Deal Scheme for insulation work can be accessed until this survey report has been compiled.

 Freephone 03300 889 552 or click  For A  Green Deal Advisor Survey

Role of Green Deal Advisors

house surveyAn authorised Green Deal Advisor will carry out a full energy efficiency inspection of your home.This is to determine if any improvements are possible with particular emphasis on levels of insulation and effectiveness of heating systems.

Using specially designed software the Advisor will then produce a detailed report listing the most appropriate and cost effective measures you can implement to save energy and cut your bills.

These recommendations will also include pay back periods,carbon savings and details on any Grants or Loans that you can claim towards the costs.

 Green Deal Advisors

As a leading force in home protection and insulation systems Smarter Homes will be providing

 Green Deal Survey Fee rebates for anyone who has work done through ourselves

Our staff are currently undergoing the rigorous training and assessment required to become licensed Green Deal Advisors in order to be able to offer our customers a one-stop service from initial survey through to installation.

So,if you are considering a Green Deal Loan then contact us by phone or email to claim your free survey and get the ball rolling as soon as the scheme starts.

 Freephone 03300 889 552 or click for a Green Deal Advisor Survey


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Insulation Makes Economic Sense

Insulation Is Good for Jobs & Government Income

insulation brings jobsGerman research shows that for every 1 euro investment in insulation products, 5 euros are returned through an increase in tax receipts and more employment. The insulation industry calls on National and Local government to give priority to energy conservation in buildings through fiscal and other measures.  Energy grants should be used to maximise the potential for increased  insulation before subsidising other Green measures. (more…)

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Green Deal or NO DEAL ?

The much trumpeted Green Deal is supposed to start in 2013 for those ” able to pay” home-owners who live in solid wall homes which are difficult to heat efficiently or affordably. The driving force is to try to lower carbon emissions and meet the UK’s self imposed carbon saving targets which are more stringent than our internationally agreed reductions. Unfortunately,unless drastically amended, the current proposals are doomed to failure.

No Financial Incentive = No Action

The proposed plans are based around a low interest loan from the private sector tied to the property and running for up to 25 years . The spin merchants state that the repayments are not paid by the home-owner but are fundedby the savings from lower heating useage and no annual repayments will be higher than the bill savings.

This sounds great until you realise the put upon home-owner will pay the same high heating costs as before and the actual bill savings go  to the lender to meet the loan repayments. There is no gain whatsoever for the homeowner so why put up with the work being done ? All that will happen is that a small number of home-owners who can fully fund the work will benefit as is the current staus quo.

Charge Against the Property

To try and make the bill savings cover the loan installments the proposals are to spread the loan over as many as 25 years and legally bind the home-owner to repaying the loan by putting a charge on the house itself. This has several major drawbacks that occur when the house changes hands or when any conversion or extensions are added.

House sales are very slow as it is, without forcing new owners to take on added loan debt from a Green Deal Loan. The new owners may want to remove the insulation and use an alternate energy source for example. Or they may decide to build an extension covering two external walls so why pay higher energy bills for something they are not benefitting from.

The Figures Don’t Add Up

The size of the loan is limited by the amount of annual bill savings spread over a maximum of 25 years so that all the repayment is covered by the “bill saving”. Unfortunately the use of the private sector who need to charge a commercial interest rate – albeit considerably less than the average loan rate – means that at best around half the cost will be covered by the loan with the rest from the home-owner. Remember as well there is no net financial gain for the home-owner.

Example Cost & Repayment

Average cost of External insulation for a 3 bed semi is £10,000

25 yr Loan at 7%pa total repaid £20,000

Total annual loan repayment £800

Energy Saving Trust bill savings pa £400

Net result is the loan will cover half the costs at best so clearly the current funding proposal is a definite non-starter .

What’s the Answer ?

A complete re-think is needed if the great British public are to be persuaded to take up external insulation in the vast numbers the Government believes necessary to hit our carbon reduction targets.

Any scheme needs to have a decent payback term and be coupled with genuine real- time reductions in heating bills or the initial cost should be subsidised by the Energy Companies with an increase in property values to reflect the lower running costs.

A good starting point would be to look at the hugely successful re-launch of solar roof panels that has been witnessed since the introduction of the Feed- In tariff. This scheme sees the home-owner get lower energy bills, re-coup their outlay in around 12.5 years and then get a pure profit of 8% a year for the next 12.5 years !



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