Of all the various markets that have been hit by the recession, few have been as totally and utterly decimated as the property and mortgage markets Of course, with the benefit of hindsight and intense scrutiny by everyone from politicians to journalists to local shopkeepers as to the reasons for the economic collapse, it is far from a new theory to suggest that it was the unrealistic borrowing and lending in relation to, particularly, the property and mortgage markets that led to the recession

It has now been over one year since the much debated Home Information Pack and Energy Performance Certificate for houses with 4 or more bedrooms was launched on the 1st August 2007 The principle was to ensure that buyers will know how energy efficient a house is before they buy it, and also so that some of the legal work in regards to that can be dealt with in advance, saving time and money for those concerned