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What you need to know
What's in a Home Information Pack?
What does a Pack contain?
Compulsory items
Home Information Pack Index
Sale Statement
Standard Searches
Evidence of Title
Leasehold and commonhold properties
Optional items
Home Condition Report
Legal summary
Other documents

 

 

FREEHOLD PACK £225+vat


LEASEHOLD PACK £250+vat

smallhouses
What's in a Home Information Pack?
 

The Home Information Pack (also known as the HIP) is compulsory for most homes on the market in England and Wales. From 6 April 2009, important changes will be made to HIPs. This means better information will be available from the first day a property is put on the market.

 

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What does a Pack contain?
 

The HIP is made up of required (compulsory) and authorised (optional) items.

There shouldn't be any marketing or advertising material in the pack, so make sure it contains official information only.

Listed below are all the compulsory documents that need to be included.

Compulsory documents

The following documents must be included in your HIP:

Freehold properties

  • Home Information Pack Index
  • the new Property Information Questionnaire (PIQ), from 6 April 2009 
  • Energy Performance Certificate (EPC) or Predicted Energy Assessment (PEA)
  • sustainability information (required for newly built homes)
  • sale statement
  • evidence of title
  • standard searches (local authority and drainage and water)

Leasehold properties

  • all the compulsory documents above
  • a copy of the lease

For more detail on these documents follow the links below.


Optional documents

Other documents can be included within your HIP, but these are optional. If they are included, it could help to speed up the sale and ensure that the process goes more smoothly. These include:

  • Home Condition Report
  • legal summary
  • home use/contents form
  • other documents like specialist searches (for example, the seller may choose to include a mining search in a mining area)

For more information follow the link below.

 

To view a Sample HIP Click Here

 

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Compulsory items
 
The following compulsory documents must be included in a Home Information Pack:
 
 
Home Information Pack Index
 

The Index lists the documents contained in the HIP and provides a checklist for sellers, buyers, estate agents and enforcement authorities.

If a document that must be included in the HIP is unavailable, the Index must say so, give the reason it is missing, and list what steps are being taken to get it.

The Index should be updated whenever documents are added or removed.

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Property Information Questionaire (PIQ)

 

The Property Information Questionnaire needs to be completed by the seller. It provides a helpful checklist of simple information about a property buyers need to know before making any decision on the property.

 

View a  PIQ Click Here

View a New Build PIQ Click Here

 

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Energy Performance Certificate/Predicted Energy Assessment

 

The Energy Performance Certificate (EPC) gives home owners, tenants and buyers information on the energy efficiency of their property.

New homes sold 'off-plan' will need to include a Predicted Energy Assessment (PEA). The PEA should be replaced by an EPC when construction of the property is complete.

 

View a sample EPC Click Here

 

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Sale Statement
 

The sale statement provides some basic information about the property, including:

 
  • the address of the property being sold 
  • whether the property is freehold, leasehold or commonhold 
  • whether the property is registered or unregistered 
  • whether or not the property is being sold with vacant possession, for example with a sitting tenant 
  • in what capacity the seller is selling the property (for example, selling on behalf of a deceased owner)
 
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Sustainability information for newly built homes

 

The Code for Sustainable Homes measures the environmental impact of a new home against nine categories. The code requirements only apply to new homes where a local council has received a building notice, initial notice or full plans application after 1 May 2008. 

Newly built homes must have either:

  • a certificate (or interim certificate) showing the sustainability of the home assessed against the standards under the Code for Sustainable Homes 
  • a nil-rated certificate where the property has not been assessed against the Code

 

To view the code for Sustainable Homes Click Here

 

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Standard Searches
 
The Home Information Pack must include:
 

A search of the local land charges register for the property being sold

This is carried out by a local council or personal search company and you’ll receive an official search certificate.

 

A search of the records held by the local authority on matters of interest to buyers

This includes planning decisions and road building proposals. These are referred to as local enquiries in the Home Information Pack Regulations and are carried out by a local authority or personal search company.


Details of the provision of drainage and water services to the property

The local water company or a personal search company can be used (however, the search must comply with the HIP Regulations).
 

 

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Evidence of Title


These documents prove who owns the property.


Registered property

If the property is registered, certain documents that are available on request from the Land Registry must be included in the HIP. These provide an up-to-date official record of who owns the land, and consist of:

 

  • official copies of the individual register (made up of a property register, proprietorship register and, typically, a charges register)
  • an official copy of the title plan

In the case of the sale of a commonhold interest, official copies of the register and title plan should be produced for both the unit and common parts.


Unregistered land

For sales of unregistered land, the HIP must include copies of a certificate of an official search of the index map (from the Land Registry). Also, it must have the documents that the seller intends to rely on to provide evidence of title to the property and the right to sell it.

 

For more details you can view the HIP 2007 Regulations Procedural Guidance document Click Here


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Leasehold and Commonhold Properties
 

Home Information Packs (HIPs) for leasehold and commonhold properties must include the same compulsory documents as for freehold properties. However, they must also include some additional documents.

 

Leasehold properties

If a property is leasehold it means that the property is for sale but the land the property is built on is not. A buyer may have to pay ground rent to the freeholder and other service charges.

Compulsory documents

For leasehold properties you must provide all the standard compulsory documents for the HIP, and a copy of the lease.  If there’s a delay getting a copy of the lease, it can be added to the HIP after the property goes on the market, However, it has to be added within 28 days of the property going on the market.

 

Optional documents

Although it isn't compulsory, you can also include other leasehold documents such as:

  • any regulations or rules that apply to the property that aren't mentioned in the lease and any proposed amendments
  • statements or summaries of service charges covering the previous 36 months
  • the most recent requests for payment of service charges, ground rent, insurance against damage for the building in which the property is situated
  • details of personal injury insurance claimed because of the building or an event that took place in the building, during the 12-month period before marketing began
  • the name and address of the current or proposed lessor, and details of any managing agent
  • a summary of any works being undertaken or proposed that will affect the property

 

Commonhold properties

 

If a property is commonhold then you effectively own a share of the freehold of the land on which the building stands. You own this share together with other owners of flats in the building. You also share the responsibility with them for things like repairs and upkeep.

Compulsory documents

You must have the standard compulsory documents for the HIP. You also need to include an official copy of the individual register and title plan for the common parts and the commonhold community statement referred to in the register.

 

Sellers of commonhold properties must also provide:

  • copies of any regulations or rules not described in the commonhold community statement and any proposed changes to those regulations or to the commonhold community statement
  • copies of any requests for payments made in the previous 12 months to do with the commonhold assessment, reserve fund levy and insurance (if not covered by a request for commonhold assessment)
  • the name and address of any managing agent or other person appointed or about to be appointed by the commonhold association to manage the commonhold
  • a summary of current or proposed works affecting the commonhold

 

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Optional items
 

Some documents in the Home Information Pack are optional. These include:

 

 

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Home Condition Report
 

 

A Home Condition Report contains information about the physical condition of a property, which sellers, buyers and lenders will be able to rely on legally as an accurate report.

It is similar to a Homebuyer Survey and can let the seller and buyer be aware of any works or repairs that are needed to the property.

The report:

 

  • must be carried out by a certified Home Inspector
  • must be written in plain English and not include technical jargon
  • gives you comprehensive information on work or repairs needed to the property, reducing the chance of nasty surprises later on


Benefits of a Home Condition Report


Sellers

You have an early opportunity to carry out repair work on the property or get quotes before marketing your property. By giving buyers a clearer idea of your property, it reduces the risk of a buyer pulling out later in the process due to an unforeseen problem and gives your property an additional selling point.


Buyers

If the seller has included a Home Condition Report, you can use it at the beginning of the home-buying process to reduce the risk of being faced with unexpected repair bills and other surprises when you buy the property.

Buyers and their mortgage lenders have a legal right to rely on the report, so you can give the report to lenders when they make their valuation. This means they may not have to repeat a detailed site inspection at your cost.

 

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Legal summary
 

Home Information Packs will contain some complex documents that can be difficult to understand. The optional summary of the legal content of the pack could therefore be very helpful to buyers, although it will not remove the need for buyers to take their own legal advice as well.

 

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Home contents forms

The Home contents form lets sellers give buyers information on a range of matters relating to the property.

It is usual for sellers to declare which fixtures and fittings and other contents of the property are:

 

  • included in the sale
  • excluded from the sale
  • subject to negotiation

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Other documents
 

Searches

The standard searches need to be included in HIPs, but they can also contain non-standard searches. This can often speed up the sale of the property.

For example, it's standard practice to obtain a mining search in areas where coal mining has taken place. Sellers in these areas could save time if they provide this search in the HIP.

Other non-standard searches cover rights of way, ground stability and actual or potential environmental hazards such as flooding and contaminated land.

 

Guarantees and warranties

Guarantees and warranties for work already carried out on your home, such as damp proofing, may be included in the HIP.

 

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