If you want to market your property for rent or sale, you need an Energy Performance Certificate (EPC). But how much does an EPC cost, and what’s the process for getting one? Here’s a rundown of what you should know. 


What is an EPC? 

An EPC is proof of a property’s energy efficiency. It’s broken down into a few sections. 

Estimated energy costs

The EPC estimates how much it costs to run utilities, like lighting and heating. It also estimates the cost of running hot water.

To be clear, these costs are just estimates. The real bills could be higher or lower. 

Energy efficiency rating

Properties receive a ‘ranking’ or score based on their current energy efficiency. The score runs from ‘A’ (very energy efficient) to ‘G’ (least energy efficient). This part of the EPC looks very much like the energy rating stickers you find on appliances like … Read more

The wave of new companies coming to the market continues apace. The latest new-stock-on-the-UK-block is re-commerce business musicMagpie. Trading of its shares began today on the (junior) AIM market of the London Stock Exchange. As someone who only very recently used its services and loves small-cap stocks, I’m keen to look into the investment case for the company. Should I buy MMAG shares today?

What is musicMagpie?

Founded in 2007, musicMagpie is a dream for anyone who likes to declutter. It specialises in “refurbished consumer technology“. It takes the stuff we no longer want — including smartphones, video games consoles, CDs and DVDs — and then sells it on. Previous owners get some fuss-free cash for their unwanted things and the company pockets the (often sizeable) difference between what it pays to acquire them and what it goes on to sell them for.

Thanks to the multiple … Read more

One AIM stock that’s had a great run recently is Cerillion (LSE: CER), the billing, charging, and customer relationship management software solutions provider. Since I listed the company as my top micro-cap stock for November, its share price has risen 93%. Meanwhile, over the last 12 months, the stock has jumped 133%.

I looked at Cerillion on a few occasions last year, and was always impressed by the stock. However, I never bought it for my own portfolio. It’s fair to say I’m now kicking myself. Is it too late for me to buy? Let’s take another look at the investment case.

Cerillion: strong growth in H1

Earlier this week, Cerillion posted a half-year trading update for the period ended 31 March. And the numbers were very impressive, exceeding management’s expectations.

For the period, revenue is expected to total around £12.8m, a 25% increase on the same period … Read more

“I don’t have any cash to spare. Can I get a mortgage without a deposit?” If you’ve ever asked this question, here’s what you should know about no deposit mortgages and whether they’re available to you.


Can I get a mortgage without a deposit?

It is possible, yes. They’re called ‘0 deposit mortgages’, or ‘no deposit mortgages’, and they allow you to borrow the full purchase price of a property without putting any money down.

Why is this different from most mortgages? Well, most lenders expect you to put down at least a 5% or 10% deposit before they’ll offer a home loan. However, some buyers simply don’t have the resources (or the time) to save. In such cases, no deposit mortgages can help people to get on the property ladder sooner rather than later. 

Who can get a mortgage without a deposit?

Here’s the thing. While no … Read more

With £2,000 right now I could begin to build a diversified portfolio with the potential to deliver meaningful returns over the long haul. Hunting for UK shares to buy now is high on my agenda.

I decided long ago to invest at least £1,000 in every stock chosen. Lesser sums make the transaction costs onerous when buying and selling. For example, the broker fees tend to be fixed whatever sum I invest. So a larger investment makes the cost a smaller percentage of my capital.

A bedrock backed by big-caps

If £2,000 was my first investment, I’d likely split it down the middle and diversify between two different stocks. For example, I could choose companies from the FTSE 100 index such as Barclays, Rio Tinto or Tesco. But mature businesses will be unlikely to deliver the growth I’m looking for in my portfolio.

There’s nothing wrong with establishing … Read more