102A, WEST PRINCES STREET, HELENSBURGH, G84 …102A WEST PRINCES STREET, HELENSBURGH, G84 8XD...

You can use this document to:Energy Performance Certificate (EPC)Dwellings

Scotland102A WEST PRINCES STREET, HELENSBURGH, G84 8XD

Dwelling type: Ground-floor flatDate of assessment: 20 July 2016Date of certificate: 20 July 2016Total floor area: 119 m2

Primary Energy Indicator: 293 kWh/m2/year

Reference number: 2616-4423-3100-0700-5926Type of assessment: RdSAP, existing dwellingApproved Organisation: ElmhurstMain heating and fuel: Boiler and radiators, mains

gas

You can use this document to:Compare current ratings of properties to see which are more energy efficient and environmentally friendly•Find out how to save energy and money and also reduce CO2 emissions by improving your home•

Estimated energy costs for your home for 3 years* £4,356

Over 3 years you could save* £1,551

See yourrecommendations

report for moreinformation

* based upon the cost of energy for heating, hot water, lighting and ventilation, calculated using standard assumptions

Very energy efficient - lower running costs Current Potential

A(92 plus)

B(81-91)

74C(69-80)

59D(55-68)

E(39-54

F(21-38)

G(1-20)

Not energy efficient - higher running costs

Energy Efficiency Rating

This graph shows the current efficiency of your home,taking into account both energy efficiency and fuelcosts. The higher this rating, the lower your fuel billsare likely to be.

Your current rating is band D (59). The average ratingfor EPCs in Scotland is band D (61).

The potential rating shows the effect of undertaking allof the improvement measures listed within yourrecommendations report.

Very environmentally friendly - lower CO2 emissions Current Potential

A(92 plus)

B(81-91)

73C(69-80)

55D(55-68)

E(39-54

F(21-38)

G(1-20)

Not environmentally friendly - higher CO2 emissions

Environmental Impact (CO2) Rating

This graph shows the effect of your home on theenvironment in terms of carbon dioxide (CO2)emissions. The higher the rating, the less impact it hason the environment.



Top actions you can take to save money and make your home more efficient

Recommended measures Indicative cost Typical savingsover 3 years

Available withGreen Deal

1 Internal or external wall insulation £4,000 - £14,000 £978.00

2 Floor insulation (suspended floor) £800 - £1,200 £420.00

3 Low energy lighting £65 £150.00

A full list of recommended improvement measures for your home, together with more information on potential cost andsavings and advice to help you carry out improvements can be found in your recommendations report.

THIS PAGE IS THE ENERGY PERFORMANCECERTIFICATE WHICH MUST BE AFFIXED TO THEDWELLING AND NOT BE REMOVED UNLESS IT IS

REPLACED WITH AN UPDATED CERTIFICATE

The Green Deal may allow you to make yourhome warmer and cheaper to run at no up-frontcapital cost. See your recommendations report

for more details.

of 5Elmhurst Energy Systems RdSAP Calculator v2.08r03 (SAP 9.92)

Recommendations Report102A WEST PRINCES STREET, HELENSBURGH, G84 8XD20 July 2016 RRN: 2616-4423-3100-0700-5926

Summary of the energy performance related features of this homeThis table sets out the results of the survey which lists the current energy-related features of this home. Each elementis assessed by the national calculation methodology; 1 star = very poor (least efficient), 2 stars = poor, 3 stars =average, 4 stars = good and 5 stars = very good (most efficient). The assessment does not take into consideration thecondition of an element and how well it is working. ‘Assumed’ means that the insulation could not be inspected and anassumption has been made in the methodology, based on age and type of construction.

Element Description Energy Efficiency Environmental

Walls Sandstone or limestone, as built, no insulation(assumed)Solid brick, as built, no insulation (assumed)

Roof (another dwelling above)Pitched, 100 mm loft insulation

Floor Suspended, no insulation (assumed)

Windows Mostly double glazing

Main heating Boiler and radiators, mains gas

Main heating controls Programmer, room thermostat and TRVs

Secondary heating Room heaters, electric

Hot water From main system

Lighting Low energy lighting in 19% of fixed outlets

The energy efficiency rating of your homeYour Energy Efficiency Rating is calculated using the standard UK methodology, RdSAP. This calculates energy usedfor heating, hot water, lighting and ventilation and then applies fuel costs to that energy use to give an overall ratingfor your home. The rating is given on a scale of 1 to 100. Other than the cost of fuel for electrical appliances and forcooking, a building with a rating of 100 would cost almost nothing to run.

As we all use our homes in different ways, the energy rating is calculated using standard occupancy assumptionswhich may be different from the way you use it. The rating also uses national weather information to allow comparisonbetween buildings in different parts of Scotland. However, to make information more relevant to your home, localweather data is used to calculate your energy use, CO2 emissions, running costs and the savings possible from makingimprovements.

The impact of your home on the environmentOne of the biggest contributors to global warming is carbon dioxide. The energy we use for heating, lighting and powerin our homes produces over a quarter of the UK’s carbon dioxide emissions. Different fuels produce different amountsof carbon dioxide for every kilowatt hour (kWh) of energy used. The Environmental Impact Rating of your home iscalculated by applying these 'carbon factors' for the fuels you use to your overall energy use.

The calculated emissions for your home are 51 kg CO2/m²/yr.

The average Scottish household produces about 6 tonnes of carbon dioxide every year. Based on this assessment,heating and lighting this home currently produces approximately 6.1 tonnes of carbon dioxide every year. Adoptingrecommendations in this report can reduce emissions and protect the environment. If you were to install all of theserecommendations this could reduce emissions by 2.3 tonnes per year. You could reduce emissions even more byswitching to renewable energy sources.

of 5


Estimated energy costs for this home

Current energy costs Potential energy costs

Heating £3,606 over 3 years £2,238 over 3 years

Hot water £339 over 3 years £342 over 3 years

Lighting £411 over 3 years £225 over 3 years

Totals £4,356 £2,805

You couldsave £1,551 over 3 years

Potential future savings

These figures show how much the average household would spend in this property for heating, lighting and hot water.This excludes energy use for running appliances such as TVs, computers and cookers, and the benefits of anyelectricity generated by this home (for example, from photovoltaic panels). The potential savings in energy costs showthe effect of undertaking all of the recommended measures listed below.

Recommendations for improvementThe measures below will improve the energy and environmental performance of this dwelling. The performanceratings after improvements listed below are cumulative; that is, they assume the improvements have been installed inthe order that they appear in the table. Further information about the recommended measures and other simpleactions to take today to save money is available from the Home Energy Scotland hotline which can be contacted on0808 808 2282. Before carrying out work, make sure that the appropriate permissions are obtained, where necessary.This may include permission from a landlord (if you are a tenant) or the need to get a Building Warrant for certaintypes of work.

Recommended measures Indicative cost Typical savingper year

Rating after improvement

Energy EnvironmentGreenDeal

D 68 D 66

C 72 C 71

C 74 C 73

1 Internal or external wall insulation £4,000 - £14,000 £326

2 Floor insulation (suspended floor) £800 - £1,200 £140

3 Low energy lighting for all fixedoutlets £65 £50

Measures which have a green deal tick are likely to be eligible for Green Deal finance plans based on indicativecosts. Subsidy also may be available for some measures, such as solid wall insulation. Additional support may also beavailable for certain households in receipt of means tested benefits. Measures which have an orange tick mayneed additional finance. To find out how you could use Green Deal finance to improve your property, visitwww.greenerscotland.org or contact the Home Energy Scotland hotline on 0808 808 2282.

Choosing the right improvement package

For free and impartial advice on choosing suitable measures for your property, contact the Home EnergyScotland hotline on 0808 808 2282 or go to www.greenerscotland.org.

of 5

Low and zero carbon (LZC) energy sources are sources of energy that release either very little or no carbon dioxideinto the atmosphere when they are used. Installing these sources may help reduce energy bills as well as cuttingcarbon.LZC energy sources present: There are none provided for this home


About the recommended measures to improve your home’s performance ratingThis section offers additional information and advice on the recommended improvement measures for your home

1 Internal or external wall insulationInternal or external wall insulation involves adding a layer of insulation to either the inside or the outside surfaceof the external walls, which reduces heat loss and lowers fuel bills. As it is more expensive than cavity wallinsulation it is only recommended for walls without a cavity, or where for technical reasons a cavity cannot befilled. Internal insulation, known as dry-lining, is where a layer of insulation is fixed to the inside surface ofexternal walls; this type of insulation is best applied when rooms require redecorating. External solid wallinsulation is the application of an insulant and a weather-protective finish to the outside of the wall. This mayimprove the look of the home, particularly where existing brickwork or rendering is poor, and will provide long-lasting weather protection. Further information can be obtained from the National Insulation Association(www.nationalinsulationassociation.org.uk). It should be noted that planning permission might be required andthat building regulations apply to this work so it is best to check with your local authority whether a buildingwarrant or planning permission will be required.

2 Floor insulation (suspended floor)Insulation of a floor will significantly reduce heat loss; this will improve levels of comfort, reduce energy use andlower fuel bills. Suspended floors can often be insulated from below but must have adequate ventilation toprevent dampness; seek advice about this if unsure. Further information about floor insulation is available frommany sources including www.energysavingtrust.org.uk/scotland/Insulation/Floor-insulation. Building regulationsgenerally apply to this work so it is best to check this with your local authority building standards department.

3 Low energy lightingReplacement of traditional light bulbs with energy saving recommended ones will reduce lighting costs over thelifetime of the bulb, and they last up to 12 times longer than ordinary light bulbs. Also consider selecting lowenergy light fittings when redecorating; contact the Lighting Association for your nearest stockist of DomesticEnergy Efficient Lighting Scheme fittings.

Low and zero carbon energy sources

Your home's heat demand

You could receive Renewable Heat Incentive (RHI) payments and help reduce carbon emissions by replacing yourexisting heating system with one that generates renewable heat and, where appropriate, having your loft insulated andcavity walls filled. The estimated energy required for space and water heating will form the basis of the payments. Formore information go to www.energysavingtrust.org.uk/scotland/rhi.

Heat demand Existing dwelling Impact of loftinsulation

Impact of cavitywall insulation

Impact of solid wallinsulation

Space heating (kWh per year) 18,661 (338) N/A (5,671)

Water heating (kWh per year) 2,288

AddendumThis dwelling has stone walls and so requires further investigation to establish whether these walls are of cavityconstruction and to determine which type of wall insulation is best suited.

of 5


About this documentThis Recommendations Report and the accompanying Energy Performance Certificate are valid for a maximum of tenyears. These documents cease to be valid where superseded by a more recent assessment of the same buildingcarried out by a member of an Approved Organisation.

The Energy Performance Certificate and this Recommendations Report for this building were produced following anenergy assessment undertaken by an assessor accredited by Elmhurst (www.elmhurstenergy.co.uk), an ApprovedOrganisation Appointed by Scottish Ministers. The certificate has been produced under the Energy Performance ofBuildings (Scotland) Regulations 2008 from data lodged to the Scottish EPC register. You can verify the validity of thisdocument by visiting www.scottishepcregister.org.uk and entering the report reference number (RRN) printed at thetop of this page.

Assessor's name: Mr. Ronnie MorrisonAssessor membership number: EES/008674Company name/trading name: Hardies Property & Construction ConsultantsAddress: 15-17 Colquhoun Street

DunbartonshireHelensburghG84 8AN

Phone number: 01436 678181Email address: [email protected] party disclosure: No related party

If you have any concerns regarding the content of this report or the service provided by your assessor you should inthe first instance raise these matters with your assessor and with the Approved Organisation to which they belong. AllApproved Organisations are required to publish their complaints and disciplinary procedures and details can be foundonline at the web address given above.

Use of this energy performance information

Once lodged by your EPC assessor, this Energy Performance Certificate and Recommendations Report are availableto view online at www.scottishepcregister.org.uk, with the facility to search for any single record by entering theproperty address. This gives everyone access to any current, valid EPC except where a property has a Green DealPlan, in which case the report reference number (RRN) must first be provided. The energy performance data in thesedocuments, together with other building information gathered during the assessment is held on the Scottish EPCRegister and is available to authorised recipients, including organisations delivering energy efficiency and carbonreduction initiatives on behalf of the Scottish and UK governments. A range of data from all assessments undertakenin Scotland is also published periodically by the Scottish Government. Further information on these matters and onEnergy Performance Certificates in general, can be found at www.gov.scot/epc.

of 5


Opportunity to benefit from a Green Deal on this propertyUnder a Green Deal, the cost of the improvements is repaid over time via a credit agreement. Repayments are madethrough a charge added to the electricity bill for the property.

To see which improvements are recommended for this property, please turn to page 3. You can choose whichimprovements you want to install and ask for a quote from an authorised Green Deal provider. They will organiseinstallation by an authorised Green Deal installer. If you move home, the responsibility for paying the Green Dealcharge under the credit agreement passes to the new electricity bill payer.

For householders in receipt of income-related benefits, additional help may be available.

To find out more, visit www.greenerscotland.org or call 0808 808 2282.

Authorisedhome energyassessment

Finance atno upfront

cost

Choose fromauthorisedinstallers

May be paidfrom savingsin energy bills

Repaymentsstay with theelectricity bill

payer

You can use this document to:Energy Performance Certificate (EPC)Dwellings

Scotland102A WEST PRINCES STREET, HELENSBURGH, G84 8XD

Dwelling type: Ground-floor flatDate of assessment: 20 July 2016Date of certificate: 20 July 2016Total floor area: 119 m2

Primary Energy Indicator: 293 kWh/m2/year

Reference number: 2616-4423-3100-0700-5926Type of assessment: RdSAP, existing dwellingApproved Organisation: ElmhurstMain heating and fuel: Boiler and radiators, mains

gas

You can use this document to:Compare current ratings of properties to see which are more energy efficient and environmentally friendly•Find out how to save energy and money and also reduce CO2 emissions by improving your home•

Estimated energy costs for your home for 3 years* £4,356

Over 3 years you could save* £1,551

See yourrecommendations

report for moreinformation

* based upon the cost of energy for heating, hot water, lighting and ventilation, calculated using standard assumptions

Very energy efficient - lower running costs Current Potential

A(92 plus)

B(81-91)

74C(69-80)

59D(55-68)

E(39-54

F(21-38)

G(1-20)

Not energy efficient - higher running costs

Energy Efficiency Rating

This graph shows the current efficiency of your home,taking into account both energy efficiency and fuelcosts. The higher this rating, the lower your fuel billsare likely to be.



Very environmentally friendly - lower CO2 emissions Current Potential

A(92 plus)

B(81-91)

73C(69-80)

55D(55-68)

E(39-54

F(21-38)

G(1-20)

Not environmentally friendly - higher CO2 emissions

Environmental Impact (CO2) Rating

This graph shows the effect of your home on theenvironment in terms of carbon dioxide (CO2)emissions. The higher the rating, the less impact it hason the environment.



Top actions you can take to save money and make your home more efficient

Recommended measures Indicative cost Typical savingsover 3 years

Available withGreen Deal

1 Internal or external wall insulation £4,000 - £14,000 £978.00

2 Floor insulation (suspended floor) £800 - £1,200 £420.00

3 Low energy lighting £65 £150.00

A full list of recommended improvement measures for your home, together with more information on potential cost andsavings and advice to help you carry out improvements can be found in your recommendations report.

THIS PAGE IS THE ENERGY PERFORMANCECERTIFICATE WHICH MUST BE AFFIXED TO THEDWELLING AND NOT BE REMOVED UNLESS IT IS

REPLACED WITH AN UPDATED CERTIFICATE

The Green Deal may allow you to make yourhome warmer and cheaper to run at no up-frontcapital cost. See your recommendations report

for more details.

of 5Elmhurst Energy Systems RdSAP Calculator v2.08r03 (SAP 9.92)


Summary of the energy performance related features of this homeThis table sets out the results of the survey which lists the current energy-related features of this home. Each elementis assessed by the national calculation methodology; 1 star = very poor (least efficient), 2 stars = poor, 3 stars =average, 4 stars = good and 5 stars = very good (most efficient). The assessment does not take into consideration thecondition of an element and how well it is working. ‘Assumed’ means that the insulation could not be inspected and anassumption has been made in the methodology, based on age and type of construction.

Element Description Energy Efficiency Environmental

Walls Sandstone or limestone, as built, no insulation(assumed)Solid brick, as built, no insulation (assumed)

Roof (another dwelling above)Pitched, 100 mm loft insulation

Floor Suspended, no insulation (assumed)

Windows Mostly double glazing

Main heating Boiler and radiators, mains gas

Main heating controls Programmer, room thermostat and TRVs

Secondary heating Room heaters, electric

Hot water From main system

Lighting Low energy lighting in 19% of fixed outlets

The energy efficiency rating of your homeYour Energy Efficiency Rating is calculated using the standard UK methodology, RdSAP. This calculates energy usedfor heating, hot water, lighting and ventilation and then applies fuel costs to that energy use to give an overall ratingfor your home. The rating is given on a scale of 1 to 100. Other than the cost of fuel for electrical appliances and forcooking, a building with a rating of 100 would cost almost nothing to run.

As we all use our homes in different ways, the energy rating is calculated using standard occupancy assumptionswhich may be different from the way you use it. The rating also uses national weather information to allow comparisonbetween buildings in different parts of Scotland. However, to make information more relevant to your home, localweather data is used to calculate your energy use, CO2 emissions, running costs and the savings possible from makingimprovements.

The impact of your home on the environmentOne of the biggest contributors to global warming is carbon dioxide. The energy we use for heating, lighting and powerin our homes produces over a quarter of the UK’s carbon dioxide emissions. Different fuels produce different amountsof carbon dioxide for every kilowatt hour (kWh) of energy used. The Environmental Impact Rating of your home iscalculated by applying these 'carbon factors' for the fuels you use to your overall energy use.

The calculated emissions for your home are 51 kg CO2/m²/yr.

The average Scottish household produces about 6 tonnes of carbon dioxide every year. Based on this assessment,heating and lighting this home currently produces approximately 6.1 tonnes of carbon dioxide every year. Adoptingrecommendations in this report can reduce emissions and protect the environment. If you were to install all of theserecommendations this could reduce emissions by 2.3 tonnes per year. You could reduce emissions even more byswitching to renewable energy sources.

of 5


Estimated energy costs for this home

Current energy costs Potential energy costs

Heating £3,606 over 3 years £2,238 over 3 years

Hot water £339 over 3 years £342 over 3 years

Lighting £411 over 3 years £225 over 3 years

Totals £4,356 £2,805

You couldsave £1,551 over 3 years

Potential future savings

These figures show how much the average household would spend in this property for heating, lighting and hot water.This excludes energy use for running appliances such as TVs, computers and cookers, and the benefits of anyelectricity generated by this home (for example, from photovoltaic panels). The potential savings in energy costs showthe effect of undertaking all of the recommended measures listed below.

Recommendations for improvementThe measures below will improve the energy and environmental performance of this dwelling. The performanceratings after improvements listed below are cumulative; that is, they assume the improvements have been installed inthe order that they appear in the table. Further information about the recommended measures and other simpleactions to take today to save money is available from the Home Energy Scotland hotline which can be contacted on0808 808 2282. Before carrying out work, make sure that the appropriate permissions are obtained, where necessary.This may include permission from a landlord (if you are a tenant) or the need to get a Building Warrant for certaintypes of work.

Recommended measures Indicative cost Typical savingper year

Rating after improvement

Energy EnvironmentGreenDeal

D 68 D 66

C 72 C 71

C 74 C 73

1 Internal or external wall insulation £4,000 - £14,000 £326

2 Floor insulation (suspended floor) £800 - £1,200 £140

3 Low energy lighting for all fixedoutlets £65 £50

Measures which have a green deal tick are likely to be eligible for Green Deal finance plans based on indicativecosts. Subsidy also may be available for some measures, such as solid wall insulation. Additional support may also beavailable for certain households in receipt of means tested benefits. Measures which have an orange tick mayneed additional finance. To find out how you could use Green Deal finance to improve your property, visitwww.greenerscotland.org or contact the Home Energy Scotland hotline on 0808 808 2282.

Choosing the right improvement package

For free and impartial advice on choosing suitable measures for your property, contact the Home EnergyScotland hotline on 0808 808 2282 or go to www.greenerscotland.org.

of 5

Low and zero carbon (LZC) energy sources are sources of energy that release either very little or no carbon dioxideinto the atmosphere when they are used. Installing these sources may help reduce energy bills as well as cuttingcarbon.LZC energy sources present: There are none provided for this home


About the recommended measures to improve your home’s performance ratingThis section offers additional information and advice on the recommended improvement measures for your home

1 Internal or external wall insulationInternal or external wall insulation involves adding a layer of insulation to either the inside or the outside surfaceof the external walls, which reduces heat loss and lowers fuel bills. As it is more expensive than cavity wallinsulation it is only recommended for walls without a cavity, or where for technical reasons a cavity cannot befilled. Internal insulation, known as dry-lining, is where a layer of insulation is fixed to the inside surface ofexternal walls; this type of insulation is best applied when rooms require redecorating. External solid wallinsulation is the application of an insulant and a weather-protective finish to the outside of the wall. This mayimprove the look of the home, particularly where existing brickwork or rendering is poor, and will provide long-lasting weather protection. Further information can be obtained from the National Insulation Association(www.nationalinsulationassociation.org.uk). It should be noted that planning permission might be required andthat building regulations apply to this work so it is best to check with your local authority whether a buildingwarrant or planning permission will be required.

2 Floor insulation (suspended floor)Insulation of a floor will significantly reduce heat loss; this will improve levels of comfort, reduce energy use andlower fuel bills. Suspended floors can often be insulated from below but must have adequate ventilation toprevent dampness; seek advice about this if unsure. Further information about floor insulation is available frommany sources including www.energysavingtrust.org.uk/scotland/Insulation/Floor-insulation. Building regulationsgenerally apply to this work so it is best to check this with your local authority building standards department.

3 Low energy lightingReplacement of traditional light bulbs with energy saving recommended ones will reduce lighting costs over thelifetime of the bulb, and they last up to 12 times longer than ordinary light bulbs. Also consider selecting lowenergy light fittings when redecorating; contact the Lighting Association for your nearest stockist of DomesticEnergy Efficient Lighting Scheme fittings.

Low and zero carbon energy sources

Your home's heat demand

You could receive Renewable Heat Incentive (RHI) payments and help reduce carbon emissions by replacing yourexisting heating system with one that generates renewable heat and, where appropriate, having your loft insulated andcavity walls filled. The estimated energy required for space and water heating will form the basis of the payments. Formore information go to www.energysavingtrust.org.uk/scotland/rhi.

Heat demand Existing dwelling Impact of loftinsulation

Impact of cavitywall insulation

Impact of solid wallinsulation

Space heating (kWh per year) 18,661 (338) N/A (5,671)

Water heating (kWh per year) 2,288

AddendumThis dwelling has stone walls and so requires further investigation to establish whether these walls are of cavityconstruction and to determine which type of wall insulation is best suited.

of 5


About this documentThis Recommendations Report and the accompanying Energy Performance Certificate are valid for a maximum of tenyears. These documents cease to be valid where superseded by a more recent assessment of the same buildingcarried out by a member of an Approved Organisation.

The Energy Performance Certificate and this Recommendations Report for this building were produced following anenergy assessment undertaken by an assessor accredited by Elmhurst (www.elmhurstenergy.co.uk), an ApprovedOrganisation Appointed by Scottish Ministers. The certificate has been produced under the Energy Performance ofBuildings (Scotland) Regulations 2008 from data lodged to the Scottish EPC register. You can verify the validity of thisdocument by visiting www.scottishepcregister.org.uk and entering the report reference number (RRN) printed at thetop of this page.

Assessor's name: Mr. Ronnie MorrisonAssessor membership number: EES/008674Company name/trading name: Hardies Property & Construction ConsultantsAddress: 15-17 Colquhoun Street

DunbartonshireHelensburghG84 8AN

Phone number: 01436 678181Email address: [email protected] party disclosure: No related party

If you have any concerns regarding the content of this report or the service provided by your assessor you should inthe first instance raise these matters with your assessor and with the Approved Organisation to which they belong. AllApproved Organisations are required to publish their complaints and disciplinary procedures and details can be foundonline at the web address given above.

Use of this energy performance information

Once lodged by your EPC assessor, this Energy Performance Certificate and Recommendations Report are availableto view online at www.scottishepcregister.org.uk, with the facility to search for any single record by entering theproperty address. This gives everyone access to any current, valid EPC except where a property has a Green DealPlan, in which case the report reference number (RRN) must first be provided. The energy performance data in thesedocuments, together with other building information gathered during the assessment is held on the Scottish EPCRegister and is available to authorised recipients, including organisations delivering energy efficiency and carbonreduction initiatives on behalf of the Scottish and UK governments. A range of data from all assessments undertakenin Scotland is also published periodically by the Scottish Government. Further information on these matters and onEnergy Performance Certificates in general, can be found at www.gov.scot/epc.

of 5


Opportunity to benefit from a Green Deal on this propertyUnder a Green Deal, the cost of the improvements is repaid over time via a credit agreement. Repayments are madethrough a charge added to the electricity bill for the property.

To see which improvements are recommended for this property, please turn to page 3. You can choose whichimprovements you want to install and ask for a quote from an authorised Green Deal provider. They will organiseinstallation by an authorised Green Deal installer. If you move home, the responsibility for paying the Green Dealcharge under the credit agreement passes to the new electricity bill payer.

For householders in receipt of income-related benefits, additional help may be available.

To find out more, visit www.greenerscotland.org or call 0808 808 2282.

Authorisedhome energyassessment

Finance atno upfront

cost

Choose fromauthorisedinstallers

May be paidfrom savingsin energy bills

Repaymentsstay with theelectricity bill

payer

survey report on:

102A WEST PRINCES STREET,HELENSBURGH, G84 8XD20th July 2016 HP462815

102A WEST PRINCES STREETHELENSBURGHG84 8XD

Mr Lewis Holbrook

102A West Princes StreetHelensburghG84 8XD

Hardies Property & Construction Consultants

20th July 2016

Single Survey

Property address

Customer

Customer address

Prepared by

Date of inspection

1

Terms & Conditions (With MVR) - 1\10\2008

Page 1 of 6


PART 1 - GENERAL1.1 THE SURVEYORS

The Seller has engaged the Surveyors to provide the Single Survey Report and a generic MortgageValuation Report for Lending Purposes. The Seller has also engaged the Surveyors to provide anEnergy Report in the format prescribed by the accredited Energy Company.

The Surveyors are authorised to provide a transcript or retype of the generic Mortgage ValuationReport on to Lender specific pro-forma. Transcript reports are commonly requested by Brokers andLenders. The transcript report will be in the format required by the Lender but will contain the sameinformation, inspection date and valuation figure as the generic Mortgage Valuation Report and theSingle Survey. The Surveyors will decline any transcript request which requires the provision ofinformation additional to the information in the Report and the generic Mortgage Valuation Report untilthe Seller has conditionally accepted an offer to purchase made in writing.

Once the Seller has conditionally accepted an offer to purchase made in writing, the Purchaser'slender or conveyancer may request that the Surveyors provide general comment on standardappropriate supplementary documentation. In the event of a significant amount of documentationbeing provided to the Surveyors, an additional fee may be incurred by the Purchaser. Any additionalfee will be agreed in writing.

If information is provided to the Surveyors during the conveyancing process which materially affectsthe valuation stated in the Report and generic Mortgage Valuation Report, the Surveyors reserve theright to reconsider the valuation. Where the Surveyors require to amend the valuation in consequenceof such information, they will issue an amended Report and generic Mortgage Valuation Report to theSeller. It is the responsibility of the Seller to ensure that the amended Report and generic MortgageValuation Report are transmitted to every prospective Purchaser.

The individual Surveyor will be a member of the Royal Institution of Chartered Surveyors who iscompetent to survey, value and report upon Residential Property .

If the Surveyors have had a previous business relationship within the past two years with the Seller orSellers Agent or relative to the property, they will be obliged to indicate this by ticking the adjacent box.

The Surveyors have a written complaints handling procedure. This is available from the offices of theSurveyors at the address stated.

THE REPORTThe Surveyors will not provide an amended Report on the Property, except to correct factualinaccuracies.

The Report will identify the nature and source of information relied upon in its preparation.

The Surveyor shall provide a Market Value of the Property, unless the condition of the Property is suchthat it would be inappropriate to do so. A final decision on whether a loan will be granted rests with theLender who may impose retentions in line with their lending criteria. The date of condition and valueof the property will be the date of inspection.

To date, Purchasers have normally obtained their own report from their chosen Surveyor. By contrast,a Single Survey is instructed by the Seller and made available to all potential Purchasers in theexpectation that the successful Purchaser will have relied upon it. The Royal Institution of CharteredSurveyors rules require disclosure of any potential conflict of interest when acting for the Seller andthe Purchaser in the same transaction. The Single Survey may give rise to a conflict of interest and ifthis is of concern to any party they are advised to seek their own independent advice.

1 Which shall be in accordance with the current RICS Valuation Standards (The Red Book) and RICS Rules of Conduct.

Terms and Conditions

1.2

2


Page 2 of 6


1.3

The Report and any expressions or assessments in it are not intended as advice to the Seller orPurchaser or any other person in relation to an asking price or any other sales or marketing decisions.The Report is based solely on the Property and is not to be relied upon in any manner whatsoeverwhen considering the valuation or condition of any other property.

If certain minor matters are mentioned in the Report it should not be assumed that the Property is freeof other minor defects.

Neither the whole nor any part of the Report may be published in any way, reproduced or distributedby any party other than the Seller, prospective purchasers and the Purchaser and their respectiveprofessional advisers without the prior written consent of the Surveyors.

LIABILITYThe Report is prepared with the skill and care reasonably to be expected of a competent residentialsurveyor who is a member of the Royal Institution of Chartered Surveyors.

The Report is addressed to the Seller and was prepared in the expectation that it (or a complete copy)along with these Terms and Conditions (or a complete copy) would (or, as the case might be, wouldhave been) be disclosed and delivered to:-

The Surveyors acknowledge that their duty of skill and care in relation to the Report is owed to theSeller and to the Purchaser. The Surveyors accept no responsibility or liability whatsoever in relationto the Report to persons other than the Seller and the Purchaser. The Seller and Purchaser should beaware that if a Lender seeks to rely on this Report they do so at their own risk. In particular, theSurveyors accept no responsibility or liability whatsoever to any Lender in relation to the Report. Anysuch Lender relies upon the Report entirely at their own risk.

GENERIC MORTGAGE VALUATION REPORTThe Surveyors undertake to the Seller that they will prepare a generic Mortgage Valuation Report,which will be issued along with the Single Survey. It is the responsibility of the Seller to ensure thatthe generic Mortgage Valuation Report is provided to every potential Purchaser.

TRANSCRIPT MORTGAGE VALUATION FOR LENDING PURPOSESThe Surveyors undertake that on being asked to do so by a prospective purchaser, or his/herprofessional advisor or Lender, they will prepare a Transcript Mortgage Valuation Report for LendingPurposes on terms and conditions to be agreed between the Surveyors and Lender and solely for theuse of the Lender and upon which the Lender may rely. The decision as to whether finance will beprovided is entirely a matter for the Lender. The Transcript Mortgage Valuation Report will be frominformation contained in the Report and the generic Mortgage Valuation Report.

2 Which shall be in accordance with the current RICS Valuation Standards (The Red Book) and RICS Rules of Conduct


1.4

1.5

the Seller;

any person(s) noting an interest in purchasing the Property from the Seller;

any person(s) who make(s) (or on whose behalf is made) an offer to purchase the Property,whether or not that offer is accepted by the Seller;

the Purchaser; and

the professional advisers of any of these.


Page 3 of 6


1.6 INTELLECTUAL PROPERTYAll intellectual property rights whatsoever (including copyright) in and to the Report, excluding theheadings and rubrics, are the exclusive property of the Surveyors and shall remain their exclusiveproperty unless they assign the same to any other party in writing.

PAYMENTThe Surveyors are entitled to refrain from delivering the Report to anyone until the fee and othercharges for it notified to the Seller have been paid. Additional fees will be charged for subsequentinspections and Reports.

CANCELLATIONThe Seller will be entitled to cancel the inspection by notifying the Surveyor's office at any time beforethe day of the inspection.

The Surveyor will be entitled not to proceed with the inspection (and will so report promptly to theSeller) if after arriving at the property, the Surveyor concludes that it is of a type of construction ofwhich the surveyor has insufficient specialist knowledge to be able to provide the inspectionsatisfactorily. The Surveyor will also be entitled not to proceed if after arriving at the property, thesurveyor concludes that the property is exempt under Part 3 of The Housing (Scotland) Act 2006 asdetailed in the (Prescribed Documents) Regulations 2008. If there is a potential threat to their healthor personal safety, the inspection may be postponed or cancelled, at the Surveyor's discretion.

In the case of cancellation or the inspection not proceeding, the Surveyor will refund any fees paid bythe Seller for the inspection and Report, except for expenses reasonably incurred and any fee due inlight of the final paragraph of this section.

In the case of cancellation by the Seller, for whatever reason, after the inspection has taken place butbefore a written report is issued, the Surveyor will be entitled to raise an Invoice equivalent to 80% ofthe agreed fee.

PRECEDENCEIf there is any incompatibility between these Terms and Conditions and the Report, these Terms andConditions take precedence.

DEFINITIONS


1.7

1.8

1.9

1.10

the "Lender" is the party who has provided or intends or proposes to provide financial assistanceto the Purchaser towards the purchase of the Property and in whose favour a standard securitywill be granted over the Property;

the "Transcript Mortgage Valuation Report for Lending Purposes" means a separate report,prepared by the Surveyor, prepared from information in the Report and the generic MortgageValuation Report, but in a style and format required by the Lender. The Transcript MortgageValuation Report for Lending Purposes will be prepared with the skill and care reasonably to beexpected from a surveyor who is a member of the Royal Institution of Chartered Surveyors andwho is competent to survey, value and report on the Property;

the "Generic Mortgage Valuation Report" means a separate report, prepared by the Surveyorfrom information in the Report but in the Surveyor's own format;


Page 4 of 6


PART 2 - DESCRIPTION OF THE REPORTTHE SERVICEThe Single Survey is a Report by an independent Surveyor, prepared in an objective way regardingthe condition and value of the Property on the day of the inspection, and who is a member of the RoyalInstitution of Chartered Surveyors. It includes an Energy Report as required by Statute and this is inthe format of the accredited Energy Company. In addition, the Surveyor has agreed to supply ageneric Mortgage Valuation Report.

THE INSPECTIONThe Inspection is a general surface examination of those parts of the Property which are accessible: inother words, visible and readily available for examination from ground and floor levels, without risk ofcausing damage to the Property or injury to the Surveyor.

All references to visual inspection refer to an inspection from within the property at floor level and fromground level within the site and adjoining public areas, without the need to move any obstructions.Any references to left or right are taken facing the front of the property.

The Inspection is carried out with the Seller's permission, without causing damage to the building orcontents. Furniture, stored items and insulation are not moved.

Unless identified in the report the Surveyor will assume that no harmful or hazardous materials havebeen used in the construction. The presence or possible consequences of any site contamination willnot be researched.


2.1

2.2

the "Market Value" is the estimated amount for which a property should exchange on the date ofvaluation between a willing buyer and a willing seller in an arm's-length transaction after propermarketing wherein the parties had each acted knowledgeably, prudently and without compulsion;

the "Property" is the property which forms the subject of the Report;

the "Purchaser" is the person (or persons) who enters into a contract to buy the Property from theSeller;

a "prospective Purchaser" is anyone considering buying the Property;

the "Report" is the report, of the kind described in Part 2 of these Terms and Conditions and in theform set out in part 1 of Schedule 1 of the Housing (Scotland) Act 2006 (Prescribed Documents)Regulations 2008;

the "Seller" is/are the proprietor(s) of the Property;

the "Surveyor" is the author of the Report on the Property; and

the "Surveyors" are the firm or company of which the Surveyor is an employee, director, memberor partner (unless the Surveyor is not an employee, director, member or partner, when the"Surveyors" means the Surveyor) whose details are set out at the head of the Report.

the "Energy Report" is the advice given by the accredited Energy Company, based on informationcollected by the Surveyor during the Inspection, and also includes an Energy PerformanceCertificate, in a Government approved format.


Page 5 of 6


The Surveyor will not carry out an asbestos inspection, and will not be acting as an asbestos inspectorin completing a Single Survey of properties that may fall within the Control of Asbestos in theWorkplace Regulations. In the case of flats it will be assumed that there is a duty holder, as defined inthe Regulations and that a Register of Asbestos and effective Management Plan is in place, whichdoes not require any expenditure, or pose a significant risk to health. No enquiry of the duty holder willbe made.

THE REPORTThe Report will be prepared by the Surveyor who carried out the property inspection and will describevarious aspects of the property as defined by the headings of the Single Survey report with thecomments being general and unbiased. The report on the location, style and condition of the property,will be concise and will be restricted to matters that could have a material effect upon value and willomit items that, in the Surveyor's opinion, are not significant. If certain minor matters are mentioned, itshould not be interpreted that the property is free of any other minor defects.

Throughout the report, the following repair categories will be used to give an overall opinion of thestate of repair and condition of the property.

WARNING:If left unattended, even for a relatively short period, Category 2 repairs can rapidly develop into moreserious Category 3 repairs. The existence of Category 2 or Category 3 repairs may have an adverseeffect on marketability, value and the sale price ultimately achieved for the property. This isparticularly true during slow market conditions when the effect can be considerable.

Parts of the property, which cannot be seen or accessed, will not be reported upon and this will bestated. If the Surveyor suspects that a defect may exist within an unexposed area and which couldhave a material effect upon the value, he may recommend further investigation by specialistcontractors.

SERVICESSurveyors are not equipped or qualified to test the services and therefore no comment can beinterpreted as implying that the design, installation and function of the services are inaccordance/compliance with regulations, safety and efficiency expectations. However, comment ismade where there is cause to suspect significant defects or shortcomings with the installations. Notests are made of any services or appliances.

ACCESSIBILITYA section is included to help identify the basic information interested parties need to know to decidewhether to view a property.


2.3

2.4

2.5

1.

2.

3.

Category 3: Urgent repairs or replacement are needed now. Failure to deal with them may causeproblems to other parts of the property or cause a safety hazard. Estimates for repairs orreplacement are needed now.

Category 2: Repairs or replacement requiring future attention, but estimates are still advised.

Category 1: No immediate action or repair is needed.


Page 6 of 6


ENERGY REPORTA section is included that makes provision for an Energy Report, relative to the property. TheSurveyor will collect physical data from the property and provide such data in a format required by anaccredited Energy Company. The Surveyor cannot of course accept liability for any advice given bythe Energy Company.

VALUATION AND CONVEYANCER ISSUESThe last section of the Report contains matters considered relevant to the Conveyancer (Solicitor). Italso contains the Surveyor's opinion both of the market value of the property and of the re-instatementcost, as defined below.

"Market Value" is the estimated amount for which a property should exchange on the date of valuationbetween a willing buyer and a willing seller in an arm's-length transaction after proper marketingwherein the parties had each acted knowledgeably, prudently and without compulsion. In arriving atthe opinion of the Market Value, the Surveyor also makes various standard assumptions covering, forexample, vacant possession; tenure and other legal considerations; contamination and hazardousmaterials; the condition of un-inspected parts; the right to use mains services; and the exclusion ofcurtains, carpets etc. from the valuation. In the case of flats, the following further assumptions aremade that:

Any additional assumption, or any found not to apply, is reported.

"Re-instatement cost" is an estimate for insurance purposes of the current cost of rebuilding theProperty in its present form unless otherwise stated. This includes the cost of rebuilding the garageand permanent outbuildings, site clearance and professional fees, but excludes VAT (except on thefees).

Sellers or prospective Purchasers may consider it prudent to instruct a reinspection and revaluationafter a period of 12 weeks (or sooner if appropriate) to reflect changing circumstances in the marketand/or in the physical condition of the Property.


2.6

2.7

There are rights of access and exit over all communal roadways, corridors, stairways etc. and touse communal grounds, parking areas, and other facilities;

There are no particularly troublesome or unusual legal restrictions;

There is no current dispute between the occupiers of the flats or any outstanding claims or losses;and the costs of repairs to the building are shared among the co-proprietors on an equitablebasis.

This section tells you about the type, accommodation, neighbourhood, age and construction of the property. It alsotells you about the extent of the inspection and highlights anything that the surveyor could not inspect.

All references to visual inspection refer to an inspection from within the property without moving any obstructionsand externally from ground level within the site and adjoining public areas. Any references to left or right in adescription of the exterior of the property refer to the view of someone standing facing that part of the property fromthe outside.

The inspection is carried out without causing damage to the building or its contents and without endangering theoccupiers or the surveyor. Heavy furniture, stored items and insulation are not moved. Unless identified in the reportthe surveyor will assume that no harmful or hazardous materials or techniques have been used in the construction.The presence or possible consequences of any site contamination will not be researched.

Services such as TV/cable connection, internet connection, swimming pools and other leisure facilities etc. will notbe inspected or reported on.

1. Information and scope of inspection

Page 1 of 15


Description

Accommodation

Gross internal floor area (m²)

Neighbourhood and location

Age

Weather

Single Survey

Purpose built and self-contained dwelling flat enjoying main dooraccess on the ground floor of a four storey Victorian tenement styleproperty containing seven dwelling flats on the ground and upperfloors and a single commercial unit on the ground floor occupied bya dry cleaner/ironing service.

Although originally constructed as a dwelling flat the property wasat one time converted for use as a coffee shop, before revertingback to a single dwelling flat approximately 15 years ago.

Ground Floor: Entrance Vestibule, Hallway, Lounge,Dining/Kitchen, Utility Room, Family Bathroom, Three Bedrooms,En-suite Bathroom.

119 sq. m.

The property is situated within the town centre within a mixedresidential/commercial area developed mainly with Victorian flattedblocks and some more modern flats, conveniently located for mostlocal facilities.

There are parking restrictions in the immediate vicinity of thesubjects.

A vehicle pend access immediately adjacent to the east, providesaccess to motor vehicle workshop premises located to the rear(north).

116 years approx.

Dry and overcast.

of 15


Chimney stacks

Roofing including roof space

Rainwater fittings

Main walls

Single Survey

Visually inspected with the aid of binoculars whereappropriate.

Chimney heads are mostly of red sandstone masonry constructionand partly of rendered brick, flashing where visible being formed inlead.

Sloping roofs were visually inspected with the aid ofbinoculars where appropriate.

Roof spaces were visually inspected and were entered wherethere was safe and reasonable access, normally defined asbeing from a 3m ladder within the property.

If this is not possible, then physical access to the roof spacemay be taken by other means if the Surveyor deems it safe andreasonable to do so.

The main roof is of pitched design being timber framed and slateclad. The roof over the rear projection is also of pitched design,being timber framed, boarded and slate clad.

Access was gained to the rear projection roof void through a hatchin the ceiling of the bathroom. The roof space has been flooredfor storage purposes and where visible is insulated withapproximately 100mm of fibreglass quilting laid between the ceilingjoists.

Inspection of the main common roof void area is considered outwiththe scope and extent of this report due to the position of the accesshatch in the ceiling at top floor landing adjacent to the stairwell andhealth and safety considerations.


Gutters and downpipes are carried in a mix of modern aluminiumand plastic and original cast iron fittings.


Foundations and concealed parts were not exposed orinspected.

The main outer walls are of 700mm thick solid red sandstonemasonry construction, the wall between the subject flat and thevehicle access pend being of 280mm thick solid brick finished withcement render externally, all strapped and lined with plaster on atimber lath and plasterboard internally.

Walls at the single storey rear projection are also of 280mm thicksolid brick construction finished externally with roughcast render,plasterboard lined internally.

of 15


Windows, external doors and joinery

External decorations

Conservatories / porches

Communal areas

Garages and permanent outbuildings

Outside areas and boundaries

Single Survey

Internal and external doors were opened and closed wherekeys were available.

Random windows were opened and closed where possible.

Doors and windows were not forced open.

The majority of windows have been replaced with Heritage stylepowder coated, aluminium framed double glazed units, with a smalltimber framed, single glazed window at the understair cupboard offthe kitchen.

There are traditional timber storm doors leading on to a PVC partlydouble glazed inner entrance door at the front, with a solid timberdoor at the rear.

Visually inspected.

Painted external timbers and cast iron rainwater fittings.

None.

Circulation areas visually inspected.

The block in which this flat is contained is served by a traditionalcommunal entrance close and staircase having timber front andrear close doors and original timber framed single glazed stairwindows. There is no door entry system installed.

Visually inspected.

There is no garage or garage space.

We are advised that the flat benefits from sole use/ownership of astorage cupboard on the east side of the vehicle access pend.

To the rear of the block there is a range of six brick/felt storagecellars which we assume pertain to the upper floor flats and aformer communal wash house of brick and concrete construction inwhich we assume the subjects have a shared interest.

Visually inspected.

There is a communal drying green area to the rear laid over mainlyto lawn and some shrubbery, with some timber ground decking laidimmediately to the rear of the subject flat.

There is a tall coniferous tree situated within the rear drying greenarea approximately 7 metres from the subject flat.

Boundaries around the drying green are defined by traditional stoneand brick walling.

of 15


Ceilings

Internal walls

Floors including sub floors

Internal joinery and kitchen fittings

Chimney breasts and fireplaces

Single Survey

Visually inspected from floor level.

The ceilings appear to be carried in a mixture of original lath andplaster and modern plasterboard.

Visually inspected from floor level.

Using a moisture meter, walls were randomly tested fordampness where considered appropriate.

The internal walls are finished with plaster on a timber lath,plasterboard and plaster on the hard.

Surfaces of exposed floors were visually inspected. Nocarpets or floor coverings were lifted.

Sub-floor areas were inspected only to the extent visible froma readily accessible and unfixed hatch by way of an inverted"head and shoulders" inspection at the access point.

Physical access to the sub floor area may be taken if theSurveyor deems it is safe and reasonable to do so, and subjectto a minimum clearance of 1m between the underside of floorjoists and the solum as determined from the access hatch.

On the date of inspection the property was unoccupied anddisplenished, although all floor surfaces were covered. Thepresence of closely fitted floor coverings including laminateboarding and tiling, prevented access being gained to the sub-floorarea.

Flooring is of traditional suspended timber construction.

Built-in cupboards were looked into but no stored items weremoved.

Kitchen units were visually inspected excluding appliances.

Internal joinery finishes are of mixed ages, fairly typical of aproperty of this age and type incorporating a mixture of solid andglazed, timber internal doors.

The kitchen is fitted with a modern range of base and wall storageunits, incorporating a range of integrated appliances. Kitchenappliances have not been tested.

Visually inspected.

No testing of the flues or fittings was carried out.

There are projecting chimney breasts in the lounge, dining kitchenand bedrooms 2 and 3 although all original fireplace openings havenow been sealed.

There is a feature fire surround in the lounge incorporating anelectric fire.

of 15


Internal decorations

Cellars

Electricity

Gas

Water, plumbing, bathroom fittings

Heating and hot water

Single Survey

Visually inspected.

Painted/papered wall and ceiling surfaces. Painted internal joinerywork.

None.

Accessible parts of the wiring were visually inspected withoutremoving fittings. No tests whatsoever were carried out to thesystem or appliances. Visual inspection does not assess anyservices to make sure they work properly and efficiently andmeet modern standards. If any services are turned off, thesurveyor will state that in the report and will not turn them on.

Mains supply. The system is protected by modern circuit breakers.

Accessible parts of the system were visually inspected withoutremoving fittings. No tests whatsoever were carried out to thesystem or appliances. Visual inspection does not assess anyservices to make sure they work properly and efficiently andmeet modern standards. If any services are turned off, thesurveyor will state that in the report and will not turn them on.

Mains supply.

Visual inspection of the accessible pipework, water tanks,cylinders and fittings without removing any insulation.

No tests whatsoever were carried out to the system orappliances.

Mains supply.

Plumbing where visible is carried in modern materials although in aproperty of this age there is a possibility of lead plumbing withinconcealed locations.

Sanitary fittings are of modern design in white. The familybathroom is fitted with WC, wash hand basin and bath withoverhead electric shower. The en-suite bathroom is fitted with WC,wash hand basin and bath, with a separate shower cubicleincorporating an overhead mixer shower. Walls in the bathroomand en-suite apartment are tiled.

Accessible parts of the system were visually inspected apartfrom communal systems, which were not inspected.


Hot water is provided by a condensing, gas combination boilerlocated wall mounted in the utility room, this boiler also supplyinghot water to a system of panel radiators throughout the flatcontrolled by means of a programmable room thermostat andthermostatic radiator valves.

of 15


Drainage

Fire, smoke and burglar alarms

Any additional limits to inspection

Single Survey

Drainage covers etc. were not lifted.

Neither drains nor drainage systems were tested.

Both foul and storm water drainage are assumed to be to the mainpublic sewer.

Visually inspected.


The flat is fitted with smoke alarms.

For flats / maisonettes

Only the subject flat and internal communal areas givingaccess to the flat were inspected.

If the roof space or under-building / basement is communal,reasonable and safe access is not always possible. If noinspection was possible, this will be stated. If no inspectionwas possible, the surveyor will assume that there are nodefects that will have a material effect on the valuation.

The building containing the flat, including any externalcommunal areas, was visually inspected only to the extent thatthe surveyor is able to give an opinion on the generalcondition and standard of maintenance.

No access possible to the sub-floor areas or to the main commonroof void area due to the position of the access hatch and healthand safety considerations.

We have not carried out an inspection for Japanese Knotweed orother invasive plant species and unless otherwise stated for thepurposes of this report we have assumed that there is noJapanese Knotweed or other invasive plant species within theboundaries of the property or in neighbouring properties. Theidentification of Japanese Knotweed or other invasive plant speciesshould be made by a Specialist Contractor.

of 15


Single Survey

This section identifies problems and tells you about the urgency of any repairs by using one of the following threecategories:

2. Condition

Page 8 of 15


Urgent repairs or replacement areneeded now. Failure to deal withthem may cause problems to otherparts of the property or cause asafety hazard. Estimates for repairsor replacement are needed now.

Repairs or replacement requiringfuture attention, but estimates arestill advised.

No immediate action or repair isneeded.

Structural movement

Repair category 1

The building exhibits signs of having suffered some structural movement in thepast. We can confirm that on the date of inspection we noted no visible evidenceto suggest any ongoing or progressive movement.

Notes

Dampness, rot and infestation

Repair category 3

Indications of rising damp were noted affecting the lower wall surfaces.

Damp penetration was also noted to the upper wall in the bathroom, where itwould appear that water ingress is occurring at the chimney head above.

The vendor has obtained a report and estimate from Wise Property Careconfirming the presence of rising damp and some decay to sub-floor timberswhere accessible. The cost of repairs has been estimated at £6,411.19 inc VAT.

Notes

Chimney stacks

Repair category 3

Render finishes are cracked and broken with damp penetration apparent belowthe chimney head at the rear projection, into the bathroom.

Chimneys of sandstone masonry construction are affected by general weatheringand some open jointing where some vegetation growth has become established.

Notes

Roofing including roof space

Repair category 2

Slating appears to be original and was found to be uneven with a number ofchipped, broken and slipped slates apparent.

Notes

Single Survey

Category 3 Category 2 Category 1

of 15


Having regard to age, slating will require careful maintenance.

Within the rear projection roof void, there is no fire division wall between thesubjects and the adjoining office premises. Although a separator has beenconstructed, this is of inferior chicken wire and fibreglass quilt construction and itshould be noted that some lenders may insist that a suitable fire division wall isconstructed. In any case it would be considered prudent to construct a suitableseparating wall for both fire and security purposes.

Rainwater fittings

Repair category 2

There is a hole in one of the cast iron downpipes to the rear and guttering at therear projection is choked.

Notes

Main walls

Repair category 2

General weathering and some erosion were noted to sandstone masonry,consistent with age.

Render finishes on the west gable are cracked and broken.

Notes

Windows, external doors and joinery

Repair category 1

Whilst there was no obvious defect on the date of our inspection, it should beappreciated that double glazed sealed units do have a limited life expectancy anddefective seals can lead to condensation between the panes necessitatingreplacement of the unit. This can sometimes only be obvious during adverseweather conditions.

Notes

External decorations

Repair category 1

No significant defect noted.Notes

Conservatories/porches

Repair category -

Not applicable.Notes

Single Survey

of 15


Communal areas

Repair category 2

Weathering and decay were noted to the rear close door and to the common stairwindows.

Notes

Garages and permanent outbuildings

Repair category 2

The roof at the former wash house is leaking, with corrosion evident to thesupporting steel beams.

Notes

Outside areas and boundaries

Repair category 2

General open jointing was noted to the stone boundary wall at the rear west, thiswall also being partly covered in ivy.

Notes

Ceilings

Repair category 1

No reportable defect noted.Notes

Internal walls

Repair category 3

Indications of rising damp were noted to lower walls, with penetrating dampnessalso noted below the chimney at the bathroom.

Notes

Floors including sub-floors

Repair category 3

Limited inspection of the sub-floor area by Wise Property Care has revealedsome decay to sub-floor timbers, as already indicated under "Dampness, rot &infestation".

Notes

Internal joinery and kitchen fittings

Repair category 2

Glazed internal doors would appear to be fitted with plain rather than safety glass.Notes

Single Survey

of 15


Chimney breasts and fireplaces

Repair category 1

No reportable defect noted.Notes

Internal decorations

Repair category 1

No reportable defect noted although it should be recognised that decorativerepairs will be required after damp proofing treatments.

Notes

Cellars

Repair category -

Not applicable.Notes

Electricity

Repair category 1

In general, the electrical installation would appear to be adequate for presentusage although it should be appreciated that only the most recently constructedor rewired properties will have installations which fully comply with present IEERegulations.

Notes

Gas

Repair category 1

It is recommended that all gas appliances be subject to an initial check to ensurethat they are safe and comply with current Gas Safety Regulations. Thereafterall appliances should be maintained on an annual basis by Gas Safe registeredcontractors.

Notes

Water, plumbing and bathroom fittings

Repair category 1

Sanitary fittings appeared serviceable.

Given the presence of the showers mounted over the bath and tray it is essentialthat all wall linings and silicone seals are maintained in good condition. Failure todo so can lead to decay in wall strapping and timbers below the bath and tray.As the bath and tray are boxed in you will appreciate that it is not possible tocomment on concealed locations.

Notes

Single Survey

of 15


Heating and hot water

Repair category 1

The system appears relatively modern and visual inspection revealed no obviousevidence of defect.

In the absence of a regular servicing contract the system should however be thesubject of a precautionary safety test by a suitably qualified central heatingengineer prior to continued use.

Notes

Drainage

Repair category 2

There is a leaking soil waste pipe to the rear elevation, serving the westmost flaton the second floor.

Notes

Single Survey

Set out below is a summary of the condition of the property which is provided for reference only. You should refer tothe previous comments for detailed information.

RememberThe cost of repairs may influence the amount someone is prepared to pay for the property. We recommend thatrelevant estimates and reports are obtained in your own name.

WarningIf left unattended, even for a relatively short period, Category 2 repairs can rapidly develop into more seriousCategory 3 repairs. The existence of Category 2 or Category 3 repairs may have an adverse effect on marketability,value and the sale price ultimately achieved for the property. This is particularly true during slow market conditionswhere the effect can be considerable.

Page 13 of 15


Single Survey

Urgent repairs or replacement areneeded now. Failure to deal withthem may cause problems to otherparts of the property or cause asafety hazard. Estimates for repairsor replacement are needed now.

Repairs or replacement requiringfuture attention, but estimates arestill advised.

No immediate action or repair isneeded.

Category 3

Category 2

Category 1

Structural movement 1

Dampness, rot and infestation 3

Chimney stacks 3

Roofing including roof space 2

Rainwater fittings 2

Main walls 2

Windows, external doors and joinery 1

External decorations 1

Conservatories/porches -

Communal areas 2

Garages and permanent outbuildings 2

Outside areas and boundaries 2

Ceilings 1

Internal walls 3

Floors including sub-floors 3

Internal joinery and kitchen fittings 2

Chimney breasts and fireplaces 1

Internal decorations 1

Cellars -

Electricity 1

Gas 1

Water, plumbing and bathroom fittings 1

Heating and hot water 1

Drainage 2

Guidance notes on accessibility informationThree steps or fewer to a main entrance door of the property:In flatted developments the 'main entrance' would be the flat's own entrance door, not the external door to thecommunal stair. The 'three steps or fewer' are counted from external ground level to the flat's entrance door. Wherea lift is present, the count is based on the number of steps climbed when using the lift.

Unrestricted parking within 25 metres:For this purpose, 'Unrestricted parking' includes parking available by means of a parking permit. Restricted parkingincludes parking that is subject to parking restrictions, as indicated by the presence of solid yellow, red or white linesat the edge of the road or by a parking control sign, parking meters or other coin-operated machines.

3. Accessibility information

Page 14 of 15


1. Which floor(s) is the living accommodation on? Ground

2. Are there three steps or fewer to a main entrance door of the property?

3. Is there a lift to the main entrance door of the property?

4. Are all door openings greater than 750mm?

5. Is there a toilet on the same level as the living room and kitchen?

6. Is there a toilet on the same level as a bedroom?

7. Are all rooms on the same level with no internal steps or stairs?

8. Is there unrestricted parking within 25 metres of an entrance door to the building?

Single Survey

X

X

X

X

X

X

X

Yes No

Yes No

Yes No

Yes No

Yes No

Yes No

Yes No

This section highlights information that should be checked with a solicitor or licensed conveyancer. It also gives anopinion of market value and an estimated reinstatement cost for insurance purposes.

4. Valuation and conveyancer issues

Page 15 of 15


Our valuation assumes that there are no onerous ground burdens or Title Conditions, which would adverselyaffect the enjoyment of the subjects. This should be clarified by reference to the Titles.

Confirmation should be given that factors have been appointed to deal with maintenance/management on behalfof the co-proprietors. It is assumed that all costs in respect of repairs to the common fabric of the building will beshared amongst the co- proprietors on an equitable basis. Reference to the Title Deeds will be necessary toconfirm this point.

The property has been altered/converted, having been originally constructed as a dwelling flat before use as acoffee shop and subsequent conversion back into a single dwelling flat including the formation of an internalen-suite bathroom. The valuation assumes that all necessary consents are available in respect of all alterationscarried out.

The current cost of reinstating the property in its present form is estimated for insurance purposes to beapproximately £350,000 (THREE HUNDRED AND FIFTY THOUSAND POUNDS).

Having regard to the comments in this report, and current market conditions, it is my opinion that on the 20th July2016 the Market Value for the property described herein could be fairly stated in the region of £145,000 (ONEHUNDRED AND FORTY FIVE THOUSAND POUNDS) subject to all repairs as specified by a Timber & DampProofing contractor being carried out.

All of the matters to which we have referred in this report should be fully investigated prior to concluding apurchase.

Signed

Report author

Company name

Address

Date of report

Single Survey

Matters for a solicitor or licensed conveyancer

Estimated reinstatement cost for insurance purposes

Valuation and market comments

Security Print Code [550100 = 5950 ]Electronically signed

R M Morrison

Hardies Property & Construction Consultants

15-17 Colquhoun Street, Helensburgh, G84 8AN

19th August 2016

Permanent outbuildings:

Shared brick/concrete former wash house. Storage cupboard on east side of immediately adjacent vehicleaccess pend.

© Quest End Computer Services Limited 2008All rights reserved

Page 1 of 4


Property Address

Address 102A WEST PRINCES STREET, HELENSBURGH, G84 8XDSeller's Name Mr Lewis HolbrookDate of Inspection 20th July 2016

Property Details

Property Type

Property Style

Does the surveyor believe that the property was built for the public sector,e.g. local authority, military, police?

Flats/Maisonettes only Floor(s) on which located Ground No. of floors in block 4

No. of units in block 8Approximate Year of Construction 1900

Tenure

Ground rent £ Unexpired years

Accommodation

Number of Rooms

Gross Floor Area (excluding garages and outbuildings)

Residential Element (greater than 40%)

Garage / Parking / Outbuildings

Available on site?

Mortgage Valuation Report

Lift provided?

X Absolute Ownership Leasehold

House Bungalow Purpose built maisonette Converted maisonette

Purpose built flat Converted flat X Tenement flat Flat over non-residential use

Other (specify in General Remarks)

Detached Semi detached Mid terrace End terrace

Back to back High rise block X Low rise block Other (specify in General Remarks)

Yes X No

Yes X No

1 Living room(s) 3 Bedroom(s) 1 Kitchen(s)

2 Bathroom(s) 2 WC(s) 0 Other (Specify in General remarks)

119 m² (Internal) 143 m² (External)

X Yes No

Single garage Double garage Parking space X No garage / garage space / parking space

Yes No

Based on visual inspection only. If any services appear to be non-mains, please comment on the type and locationof the supply in General Remarks.

Brief description of Central Heating:

Apparent legal issues to be verified by the conveyancer. Please provide a brief description in General Remarks.

Gas combination boiler supplying hot water radiators.


Page 2 of 4


Construction

Walls

Roof

Special Risks

Has the property suffered structural movement?

If Yes, is this recent or progressive?

Is there evidence, history, or reason to anticipate subsidence, heave, landslip or flood in theimmediate vicinity?

If Yes to any of the above, provide details in General Remarks.

Service Connections

Drainage Water

Electricity Gas

Central Heating

Site

Location

Planning Issues

Has the property been extended / converted / altered?

If Yes provide details in General Remarks.

Roads


Rights of way Shared drives / access Garage or other amenities on separate site X Shared service connections

Ill-defined boundaries Agricultural land included with property Other (specify in General Remarks)

Residential suburb Residential within town / city X Mixed residential / commercial Mainly commercial

Commuter village Remote village Isolated rural property Other (specify in General Remarks)

X Made up road Unmade road Partly completed new road Pedestrian access only Adopted Unadopted

Brick X Stone Concrete Timber frame Other (specify in General Remarks)

Tile X Slate Asphalt Felt Other (specify in General Remarks)

X Yes No

Yes X No

Yes X No

X Mains Private None X Mains Private None

X Mains Private None X Mains Private None

X Yes Partial None

X Yes No

The subjects comprise a ground floor main door flat in a traditional four storey Victorian tenement style propertycontaining seven similar flats with a single retail unit occupying part of the ground floor. The property is situatedwithin the town centre in a mixed residential/commercial area developed mainly with traditional Victoriantenement style properties, with a vehicle access pend immediately to the east of the subjects leading to motorvehicle workshop premises located at the rear. The property is conveniently located for all town centre facilities.

When inspected within the limits imposed by fitted floor coverings the property was found to have beenmaintained to an adequate standard having regard to its age and character. Although there are some itemsrequiring attention these generally should be capable of remedy in the course of routine maintenance andupgrading.

Although not an exhaustive list we would however point out the following:

1. The building is affected by a degree of localised structural movement consistent with age and type. Thisappears longstanding with no obvious evidence of recent or continuing movement.

2. Slate roof coverings appear to be original and would benefit from some routine maintenance attention andthereafter they will require careful maintenance.

3. Some maintenance attention is required to chimney heads, and in particular the chimney above the bathroomat the rear projection, where penetrating dampness would appear to be occurring.

4. The property has been altered/converted, having been originally constructed as a dwelling flat before use asa coffee shop and subsequent conversion back into a single dwelling flat including the formation of an internalen-suite bathroom. The valuation assumes that all necessary consents are available in respect of all alterationscarried out.

5. There is a mature coniferous tree within the rear drying green area approximately 7m from the subjects. Whilstthis does not appear to have caused any damage to the building it is within potential influencing distance.

There is evidence of rising dampness to lower wall surfaces and it should be recognised that flooring timbers incontact are at risk from rot germination. Penetrating dampness was also noted below the chimney head abovethe bathroom.

The vendor has obtained a report and estimate from Wise Property Care confirming the presence of rising dampand some decay to sub-floor timbers where accessible. The cost of repairs has been estimated at £6,411.19 incVAT.


Page 3 of 4


General Remarks

Essential Repairs

Estimated cost of essential repairs £ 6,500 Retention recommended? Amount £ 8,000


X Yes No

In our opinion the subjects form a suitable security for mortgage finance.

(to include the cost of total rebuilding, site clearance, professional fees, ancillary charges plus VAT)

month Short Assured Tenancy basis?


Page 4 of 4


Comment on Mortgageability

Valuations

Market value in present condition £ 137,000

Market value on completion of essential repairs £ 145,000

Insurance reinstatement value £ 350,000

Is a reinspection necessary?

Buy To Let Cases

What is the reasonable range of monthly rental income for the property assuming a letting on a 6 £

Is the property in an area where there is a steady demand for rented accommodation of this type?

Declaration

Signed Security Print Code [550100 = 5950 ]Electronically signed by:-

Surveyor's name R M Morrison

Professional qualifications MRICS

Company name Hardies Property & Construction Consultants

Address 15-17 Colquhoun Street, Helensburgh, G84 8AN

Telephone 01436 678181

Fax 01436 678280

Report date 19th August 2016


Yes X No

Yes No

Property address

1

Property Questionnaire

Seller(s) Mr Lewis Holbrook

Completion date of property questionnaire 17/07/2016

102A WEST PRINCES STREET,HELENSBURGH,G84 8XD

Note for sellers

Information to be given to prospective buyer(s)

2


Please complete this form carefully. It is important that your answers are correct.

The information in your answers will help ensure that the sale of your house goes smoothly. Please answereach question with as much detailed information as you can.

If anything changes after you fill in this questionnaire but before the date of entry for the sale of your house, tellyour solicitor or estate agent immediately.

How long have you owned the property? 4 years

Which Council Tax band is your property in? (Please circle)

What are the arrangements for parking at your property?

(Please tick all that apply)

1. Length of ownership

2. Council tax

3. Parking

Garage

Allocated parking space

Driveway

Shared parking

On street

Resident permit

Metered parking

Other (please specify):

4. Conservation area

Is your property in a designated Conservation Area (i.e. an area of specialarchitectural or historical interest, the character or appearance of which it isdesirable to preserve or enhance)?

Yes / No /Don't know

A B C D E F G H

3


5. Listed buildings

6. Alterations/additions/extensions

(iii) Please describe the changes made to the windows, doors or patio doors (with approximatedates when the work was completed):

Please give any guarantees which you received for this work to your solicitor or estate agent.

Yes / No

a. Yes / No

Yes / No

b. Yes / No

Yes / No

Yes / No

Is your property a Listed Building, or contained within one (i.e. a buildingrecognised and approved as being of special architectural or historicalinterest)?

(i) During your time in the property, have you carried out any structuralalterations, additions or extensions (for example, provision of an extrabath/shower room, toilet, or bedroom)?

If you have answered yes, please describe below the changes which you havemade:

(ii) Did you obtain planning permission, building warrant, completion certificateand other consents for this work?

If you have answered yes, the relevant documents will be needed by thepurchaser and you should give them to your solicitor as soon as possible forchecking.

If you do not have the documents yourself, please note below who has thesedocuments and your solicitor or estate agent will arrange to obtain them:

Have you had replacement windows, doors, patio doors or double glazinginstalled in your property?

If you have answered yes, please answer the three questions below:

(i) Were the replacements the same shape and type as the ones you replaced?

(ii) Did this work involve any changes to the window or door openings?

4


7. Central heating

8. Energy Performance Certificate

9. Issues that may have affected your property

a. Yes / No /Partial

b.

c. Yes / No

d.

Yes / No

a. Yes / No

Yes / No

b. Yes / No

Is there a central heating system in your property? (Note: a partial centralheating system is one which does not heat all the main rooms of the property -the main living room, the bedroom(s), the hall and the bathroom).

If you have answered yes / partial - what kind of central heating is there?(Examples: gas-fired, solid fuel, electric storage heating, gas warm air).

Gas fired.

2009When was your central heating system or partial central heating systeminstalled?

Do you have a maintenance contract for the central heating system?

If you have answered yes, please give details of the company with which youhave a maintenance contract:

British Gas Homecare.

Ongoing paymonthlycontract.

When was your maintenance agreement last renewed?(Please provide the month and year).

Does your property have an Energy Performance Certificate which is less than10 years old?

Has there been any storm, flood, fire or other structural damage to yourproperty while you have owned it?

If you have answered yes, is the damage the subject of any outstandinginsurance claim?

Are you aware of the existence of asbestos in your property?

If you have answered yes, please give details:

If you have answered yes, please answer the three questions below:

5


10. Services

a. Please tick which services are connected to your property and give details of thesupplier:

Gas /liquid petroleum gas

Water mains /private water supply

Electricity

Mains drainage

Telephone

Cable TV / satellite

Broadband

b. Yes / No

c. Yes / No /Don't know

d. Yes / No

Services Connected Supplier

British gas.

council

British gas.

Council.

Not sure.

Sky.

Not sure.

Is there a septic tank system at your property?

If you have answered yes, please answer the two questions below:

(i) Do you have appropriate consents for the discharge from your septic tank?

(ii) Do you have a maintenance contract for your septic tank?

If you have answered yes, please give details of the company with which youhave a maintenance contract:

6


11. Responsibilities for Shared or Common Areas

12. Charges associated with your property

a. Yes / No /Don't Know

b. Yes / No /Not applicable

c. Yes / No

d. Yes / No

e. Yes / No

f. Yes / No

a. Yes / No

Are you aware of any responsibility to contribute to the cost of anything usedjointly, such as the repair of a shared drive, private road, boundary, or gardenarea?


Is there a responsibility to contribute to repair and maintenance of the roof,common stairwell or other common areas?


Hacking and Patterson factors run the maintenance for the buildings commonrepairs.

Has there been any major repair or replacement of any part of the roof duringthe time you have owned the property?

Do you have the right to walk over any of your neighbours' property - forexample to put out your rubbish bin or to maintain your boundaries?


As far as you are aware, do any of your neighbours have the right to walk overyour property, for example to put out their rubbish bin or to maintain theirboundaries?


As far as you are aware, is there a public right of way across any part of yourproperty? (public right of way is a way over which the public has a right topass, whether or not the land is privately-owned.)


Is there a factor or property manager for your property?

If you have answered yes, please provide the name and address, and givedetails of any deposit held and approximate charges:

No deposit held. Charges usually £60 per month.

7


13. Specialist works

b. Yes / No /Don't Know

Yes / No /Don't Know

c.

a. Yes / No

b. Yes / No

c. Yes / No

Is there a common buildings insurance policy?

If you have answered yes, is the cost of the insurance included in yourmonthly/annual factor's charges?

Please give details of any other charges you have to pay on a regular basis forthe upkeep of common areas or repair works, for example to a residents'association, or maintenance or stair fund.

As far as you are aware, has treatment of dry rot, wet rot, damp or any otherspecialist work ever been carried out to your property?

If you have answered yes, please say what the repairs were for, whether youcarried out the repairs (and when) or if they were done before you bought theproperty:

As far as you are aware, has any preventative work for dry rot, wet rot, or dampever been carried out to your property?


If you have answered yes to 13(a) or (b), do you have any guarantees relating tothis work?

If you have answered yes, these guarantees will be needed by the purchaserand should be given to your solicitor as soon as possible for checking. If youdo not have them yourself please write below who has these documents andyour solicitor or estate agent will arrange for them to be obtained. You will alsoneed to provide a description of the work carried out. This may be shown in theoriginal estimate.

Guarantees are held by:

8


14. Guarantees

a. Are there any guarantees or warranties for any of the following:

(i) Electrical work No Yes Don'tknow

Withtitle

deedsLost

(ii) Roofing No Yes Don'tknow

Withtitle

deedsLost

(iii) Central heating No Yes Don'tknow

Withtitle

deedsLost

(iv) NHBC No Yes Don'tknow

Withtitle

deedsLost

(v) Damp course No Yes Don'tknow

Withtitle

deedsLost

(vi)Any other work or installations? (forexample, cavity wall insulation,underpinning, indemnity policy)

No Yes Don'tknow

Withtitle

deedsLost

CannotAnswer*

CannotAnswer*

CannotAnswer*

CannotAnswer*

CannotAnswer*

CannotAnswer*

15. Boundaries

b.

c. Yes / No

Yes / No /Don't know

If you have answered 'yes' or 'with title deeds', please give details of the workor installations to which the guarantee(s) relate(s):

Are there any outstanding claims under any of the guarantees listed above?


So far as you are aware, has any boundary of your property been moved in thelast 10 years?


Declaration by the seller(s)/or other authorised body or person(s)

I/We confirm that the information in this form is true and correct to the best of my/our knowledge andbelief.

9


16. Notices that affect your property

Signature(s):

Date:

In the past 3 years have you ever received a notice:

If you have answered yes to any of a-c above, please give the notices to your solicitor or estateagent, including any notices which arrive at any time before the date of entry of the purchaser ofyour property.

a. Yes / No /Don't know

b. Yes / No /Don't know

c. Yes / No /Don't know

advising that the owner of a neighbouring property has made a planningapplication?

that affects your property in some other way?

that requires you to do any maintenance, repairs or improvements to yourproperty?

102A, WEST PRINCES STREET, HELENSBURGH, G84 …102A WEST PRINCES STREET, HELENSBURGH, G84 8XD...

Documents

Transcript of 102A, WEST PRINCES STREET, HELENSBURGH, G84 …102A WEST PRINCES STREET, HELENSBURGH, G84 8XD...