Now a millionaire doesn’t necessarily have to have £1 million in the bank. It’s possible to be considered a millionaire if you own assets like a house/yacht/racehorse that are worth a million or so. Owning a house worth £1 million or more with a mortgage of £750,000 doesn’t technically make you a millionaire until the mortgage is paid off or the house goes up in value and the mortgage goes down. And when a house already worth £1 million or more goes up in value, it does so by the same percentage as the average house (roughly speaking) so the

……..and, they’re gone. HIPs are no longer required when selling a house. Did they make much difference while they were around? It’s possible a number of houses remain unsold due to a poor energy rating (although the hole in the roof was obvious) and they will stay that way because Energy Performance Certificates are still required. EPC’s were about the only useful piece of information in a HIP although the sustainability information required for newly built properties is quite interesting for today’s environmentally conscious homebuyer. EPC’s are provided by accredited energy assessors and should cost around £100 for an average sized house but the