Property118 Ltd understands that your privacy is important to you and that you care about how your personal data is used and shared online. We respect and value the privacy of everyone who visits this website, www.property118.com
(“Our Site”) and will only collect and use personal data in ways that are described here, and in a manner that is consistent with Our obligations and your rights under the law.
- Definitions and Interpretation
In this Policy the following terms shall have the following meanings:
||means an account required to access and/or use certain areas and features of Our Site;
||means a small text file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site. Details of the Cookies used by Our Site are set out in section 13, below;
||means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003;
||means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data. In this case, it means personal data that you give to Us via Our Site. This definition shall, where applicable, incorporate the definitions provided in the EU Regulation 2016/679 – the General Data Protection Regulation (“GDPR”); and
||Means Property118 Ltd , a limited company registered in England under company number 10295964, whose registered address is 1st Floor, Woburn House, 84 St Benedicts Street, Norwich, NR2 4AB.
- Information About Us
- Our Site is owned and operated by Property118 Ltd, a limited company registered in England under company number 10295964, whose registered address is 1st Floor, Woburn House, 84 St Benedicts Street, Norwich, NR2 4AB.
- Our VAT number is 990 0332 34.
- Our Data Protection Officer is Neil Patterson, and can be contacted by email at email@example.com, by telephone on 01603 489118, or by post at 1st Floor, Woburn House, 84 St Benedicts Street, Norwich, NR2 4AB.
- What Does This Policy Cover?
- Your Rights
- As a data subject, you have the following rights under the GDPR, which this Policy and Our use of personal data have been designed to uphold:
- The right to be informed about Our collection and use of personal data;
- The right of access to the personal data We hold about you (see section 12);
- The right to rectification if any personal data We hold about you is inaccurate or incomplete (please contact Us using the details in section 14);
- The right to be forgotten – i.e. the right to ask Us to delete any personal data We hold about you (We only hold your personal data for a limited time, as explained in section 6 but if you would like Us to delete it sooner, please contact Us using the details in section 14);
- The right to restrict (i.e. prevent) the processing of your personal data;
- The right to data portability (obtaining a copy of your personal data to re-use with another service or organisation);
- The right to object to Us using your personal data for particular purposes; and
- If you have any cause for complaint about Our use of your personal data, please contact Us using the details provided in section 14 and We will do Our best to solve the problem for you. If We are unable to help, you also have the right to lodge a complaint with the UK’s supervisory authority, the Information Commissioner’s Office.
- For further information about your rights, please contact the Information Commissioner’s Office or your local Citizens Advice Bureau.
- What Data Do We Collect?
- Date of birth;
- Address and post code;
- Business/company name and trading status;
- Number of properties owned;
- Accountants details;
- Contact information such as email addresses and telephone numbers;
- Proof of residence and ID;
- Financial information such as income and tax status;
- Landlords insurance renewal dates;
- Property Portfolio details such as value and mortgage outstanding;
- How Do We Use Your Data?
- All personal data is processed and stored securely, for no longer than is necessary in light of the reason(s) for which it was first collected. We will comply with Our obligations and safeguard your rights under the GDPR at all times. For more details on security see section 7, below.
- Our use of your personal data will always have a lawful basis, either because it is necessary for our performance of a contract with you, because you have consented to our use of your personal data (e.g. by subscribing to emails), or because it is in our legitimate interests. Specifically, we may use your data for the following purposes:
- Providing and managing your access to Our Site;
- Supplying our products and or services to you (please note that We require your personal data in order to enter into a contract with you);
- Personalising and tailoring our products and or services for you;
- Replying to emails from you;
- Supplying you with emails that you have opted into (you may unsubscribe or opt-out at any time by the unsubscribe link at the bottom of all emails;
- Analysing your use of our site and gathering feedback to enable us to continually improve our site and your user experience;
- Provide information to our partner service and product suppliers at your request.
- With your permission and/or where permitted by law, We may also use your data for marketing purposes which may include contacting you by email and or telephone with information, news and offers on our products and or We will not, however, send you any unsolicited marketing or spam and will take all reasonable steps to ensure that We fully protect your rights and comply with Our obligations under the GDPR and the Privacy and Electronic Communications (EC Directive) Regulations 2003.
- You have the right to withdraw your consent to us using your personal data at any time, and to request that we delete it.
- We do not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected. Data will therefore be retained for the following periods (or its retention will be determined on the following bases):
- Member profile information is collected with your consent and can be amended or deleted at any time by you;
- Anti-Money Laundering information and tax consultancy records are to be kept as required by law for up to seven years.
- How and Where Do We Store Your Data?
- We only keep your personal data for as long as We need to in order to use it as described above in section 6, and/or for as long as We have your permission to keep it.
- Some or all of your data may be stored outside of the European Economic Area (“the EEA”) (The EEA consists of all EU member states, plus Norway, Iceland, and Liechtenstein). You are deemed to accept and agree to this by using our site and submitting information to Us. If we do store data outside the EEA, we will take all reasonable steps to ensure that your data is treated as safely and securely as it would be within the UK and under the GDPR
- Data security is very important to Us, and to protect your data We have taken suitable measures to safeguard and secure data collected through Our Site.
- Do We Share Your Data?
- We may share your data with other partner companies in for the purpose of supplying products or services you have requested.
- We may sometimes contract with third parties to supply products and services to you on Our behalf. Where any of your data is required for such a purpose, We will take all reasonable steps to ensure that your data will be handled safely, securely, and in accordance with your rights, Our obligations, and the obligations of the third party under the law.
- We may compile statistics about the use of Our Site including data on traffic, usage patterns, user numbers, sales, and other information. All such data will be anonymised and will not include any personally identifying data, or any anonymised data that can be combined with other data and used to identify you. We may from time to time share such data with third parties such as prospective investors, affiliates, partners, and advertisers. Data will only be shared and used within the bounds of the law.
- In certain circumstances, We may be legally required to share certain data held by Us, which may include your personal data, for example, where We are involved in legal proceedings, where We are complying with legal requirements, a court order, or a governmental authority.
- What Happens If Our Business Changes Hands?
- How Can You Control Your Data?
- In addition to your rights under the GDPR, set out in section 4, we aim to give you strong controls on Our use of your data for direct marketing purposes including the ability to opt-out of receiving emails from Us which you may do by unsubscribing using the links provided in Our emails.
- Your Right to Withhold Information
- You may access certain areas of Our Site without providing any data at all. However, to use all features and functions available on Our Site you may be required to submit or allow for the collection of certain data.
- How Can You Access Your Data?
You have the right to ask for a copy of any of your personal data held by Us (where such data is held). Under the GDPR, no fee is payable and We will provide any and all information in response to your request free of charge. Please contact Us for more details at firstname.lastname@example.org, or using the contact details below in section 14.
- All Cookies used by and on Our Site are used in accordance with current Cookie Law.
- Before Cookies are placed on your computer or device, you will be shown a cookie prompt requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling Us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of Our Site may not function fully or as intended. You will be given the opportunity to allow only first party Cookies and block third party Cookies.
- Certain features of Our Site depend on Cookies to function. Cookie Law deems these Cookies to be “strictly necessary”. These Cookies are shown below in section 13.5. Your consent will not be sought to place these Cookies, but it is still important that you are aware of them. You may still block these Cookies by changing your internet browser’s settings as detailed below in section 13.9, but please be aware that Our Site may not work properly if you do so. We have taken great care to ensure that your privacy is not at risk by allowing them.
- The following first party Cookies may be placed on your computer or device:
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- Our Site uses analytics services provided by Google Analytics and Facebook. Website analytics refers to a set of tools used to collect and analyse anonymous usage information, enabling Us to better understand how Our Site is used. This, in turn, enables Us to improve Our Site and the products AND/OR services offered through it. You do not have to allow Us to use these Cookies, however whilst Our use of them does not pose any risk to your privacy or your safe use of Our Site, it does enable Us to continually improve Our Site, making it a better and more useful experience for you.
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- It is recommended that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and manufacturer of your computer or device if you are unsure about adjusting your privacy settings.
- Contacting Us
12:24 PM, 19th January 2022, About A year ago
The consultation yet to be finalised states all residential properties (not just housing association properties) will need to be a C or above for new tenancies from April 2025 & existing tenancies by April 2028. The points basis could change & new grants are not a given & only "may" become available, but I suggest you meanwhile carry out the cheap inexpensive measures such as draft proofing doors & windows, ensure any loft space has min 270mm loft insulation, check the hot water cylinder has an insulation jacket & LED lights etc, & wait & see if the bigger more expensive improvements qualify for any future grants that may be launched as we get nearer to D Day, if the proposals go ahead as tabled.
12:45 PM, 19th January 2022, About A year ago
If you are in the early stages of growing a portfolio you must consider the future cost implications of EPC and Environmental cost drivers. At present, to achieve Environmental policy you will have to move away from gas. But if you renovate to become all electric your EPC grade will get worse! There is a conflict between the policies. Solar panels on their own (circa £4500) or with batteries (£10k plus) will reduce the EPC and achieve environment aims. However, you have to consider the return on your investment. Also, be aware that when your return becomes positive you are likely to have to replace the batteries (& dispose of the old ones) and at some point replace the panels. Selling surplus energy back to the grid is not as profitable as it once was. Better to purchase newer, more energy efficient houses from the start!
12:50 PM, 19th January 2022, About A year ago
I may be able to cope with 'D' but there's talk of 'C' coming in! This would cost £1,000s, not worth it so will be time to retire and throw some people out on the streets- sorry!
13:19 PM, 19th January 2022, About A year ago
Reply to the comment left by Laura Delow at 19/01/2022 - 12:24
As a BTL landlord and having researched the loft insulation issue the big gain in points is 0 to 100mm (11), then you get 2 more points if you go to 200mm. Interestingly no more points from 200 to 270mm. You have to go to 400mm to get another point. So depends on the loft layout/structure and how you buy the insulation as to whether its worth it to 270 or 400mm. The algorithms may change of course.An A rated Valiant boiler plus TCVs for the rads and a room thermostat are good too.LED lighting of course.
13:27 PM, 19th January 2022, About A year ago
Just one of our properties is currently in band D and solar panels were the only remotely practical recommendation that would move it into band C or better under the current system.
My thinking at the moment is that whatever changes to the EPC rating system or requirements to meet environmental impact standards might be in the pipeline, solar panels will make a positive contribution. Whether it would make economic sense to install them is an open question and as I have said whenever the issue has been raised, none of the questions can be answered with any certainty until the long awaited response to the consultation is published.
I think there is widespread agreement that the EPC rating system is not fit for purpose and it is rumoured to be under review so another reason to be cautious about spending money on costly changes that might prove unnecessary/ineffective.
14:25 PM, 19th January 2022, About A year ago
EPC -> For pre 1950's, EPC D is easily achievable >
- LED bulbs
- A decent GAS boiler (the new ones are better than stuff from 3 years ago!) - go combi if you can and ditch the hot water tank.
- TRVs on ALL rads + room thermostat + timer
- Double glazing
- Insulation at max for all points (so 400mm)
Make sure you keep all the receipts + FINRA paperwork.
Next - Talk to your EPC guy and ask for him to confirm assumptions before he starts work - remember that you get what you pay for - so cheap = assumes nothing is installed and your EPC will get worse!
You may find that you are a few points away from a C and then ask the EPC guy what would improve - you may find that just internally cladding 1 wall/floor gets you to a C...
15:03 PM, 19th January 2022, About A year ago
If the existing glazing has reached the end of its life, consider triple glazing. The additional cost is small, but it is heavily weighted on the EPC. The thermal weak point is the frame, which should be lapped over when installing internal or external wall insulation.
15:31 PM, 19th January 2022, About A year ago
It's all very great wondering about loft insulation, solar panels, heat pumps and all the like, but what really counts is how the person or company you employ assesses your property. It's all in my experience a bit hit or miss. I would if I were you just get an EPC done, accompany them as they often give tips they may not record, and just use their guidelines. After all it's what they say and nothing else. In my experience they don't bother to look in lofts, and certainly don't believe you if you know you have insulation but they can't see it. If you do any insulation you must ensure what evidence your EPC inspector requires.
As for the Minimum Energy Performance of Buildings ( No. 2) it's only at its second reading and anything could happen?
East Midlands Energy Efficiency
17:42 PM, 19th January 2022, About A year ago
If your EPC assessor doesn't bother to look in lofts where safe access is available then you need to find a new EPC assessor. Better still, report them to their Accreditation Scheme who can audit their reports and take disciplinary action against them.
As for providing evidence, this is essential. The legislation and methodology requires that the assessor collect evidence to prove their assessment otherwise it defaults to either the worst case scenario or the minimum requirements at the time of construction. The assessor must either see and photograph the feature or have suitable documents (e.g. building control sign off) to confirm that the work was completed.
With regard to assessment changes, there are regular updates but assessment of existing buildings generally follows changes to new building requirements. The new Building Regulations are now available, including details about primary energy metrics. The change to solid brick properties resulted from corrected values confirmed in newer research for heat loss through solid brick walls and only actually significantly changed the ratings for certain types of property if they had be properly assessed previously.
Always keep records of retrofit works, including expenditure, as these may be useful in proving any MEES exemption. However, spending more to complete works while a property is under renovation is still normally a lot cheaper and simpler then having to achieve the same down the line when a tenant is also involved.
I have seen plenty of buildings improved to a C or better with the right advice, many whose landlords thought it would be impossible. However, like everything, there are a wide range of assessors out there from experienced energy efficiency specialists to estate agent weekend staff who just do the certificate for a sale or lease. Cost of the EPC does not always reflect the service provided and don't be afraid to ask an assessor for advice or about their quality assurance audit record. Also find out if they are a registered retrofit assessor and can complete a full PAS2035 retrofit assessment. These generally cost more than an EPC but are intended for use in making property improvements.
9:56 AM, 20th January 2022, About A year ago
From my perspective as the government have no idea yet of what they want to achieve then do nothing until direction comes.
I have just renovated three flats - one has existing gas boiler and according to the SAP/EPC is a C. The flat above has no gas, so thinking that electric is going to be the way to go forward ( reducing fossil fuels etc) I put in a top of the range elec boiler. EPC for this is a D. Had a chat with assessor and at the mo as the EPC assessments themselves do no reflect the more enviro friendly switch to elec boilers (in this example) then these are deemed lower rating than gas. A totally bonkers situation.
The EPC - the criterial and scoring need to be completely overhauled as they play a vital part in any assessment. At the moment they are conflictual with the apparent mode of travel towards electric, so what do you do? Install /replace gas with electric but score lower not but hope the assessment criteria changes, or carry on with what you do know but have an upgrade bill in the not too distant future?
I have pushed the assessor for more info but at the end of they day they can only guide you as to what they think - which they will readily admin is a guess to some degree as they have no idea what's coming either.
I am now left trying every quick win possible to tick off another point here on there to get EPC's over the C line in as cheap a way as possible, leaving the big cost items aside. The reality is whatever is decided on, I see insulation really as the only thing to focus on and if you can get that improved and get it over the line great - otherwise its a case of sitting and waiting to see what is coming then decide on a course of action. A shift in EPC algorithm may well produce different recommendations, so I'm going to sit and wait.