Help to Buy Valuation

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Valuation

Help to Buy Valuation

A Help to Buy Valuation is an independent assessment of a property’s market value, required when repaying a Help to Buy equity loan, selling your home, or remortgaging. This valuation ensures the correct repayment amount to Homes England, as the loan is based on a percentage of the property’s current market value.

A RICS-registered surveyor must conduct the valuation following strict Homes England guidelines. The report is valid for three months, so timely action is essential. The surveyor considers comparable sales, market conditions, and property condition to provide an accurate, fair valuation—unlike an estate agent’s estimate.

If your property’s value has increased, your repayment amount will rise accordingly. A professional valuation prevents overpayment and ensures compliance with Homes England’s requirements. Whether repaying your loan, selling, or remortgaging, a Help to Buy Valuation is a key step in the process.

Help to Buy Valuation

A Help to Buy Valuation is a RICS-regulated assessment of your property’s market value, required when repaying your equity loan, selling, or remortgaging to ensure accurate repayment to Homes England.

Ideal for

Ideal for homeowners looking to repay their equity loan, sell their property, or remortgage under the Help to Buy scheme.

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Key Features

RICS-Compliant Valuation Report
A formal, independent valuation meeting Homes England’s strict requirements.

Detailed Market Assessment
Includes property condition, local market trends, and comparable sales data.

Official Valuation Figure
We help to provide the precise market value used to calculate your Help to Buy loan repayment.

Valid for Three Months
A report that remains valid for submission to Homes England, with renewal options if needed.

Guidance on Next Steps
Clear instructions on how to use the valuation for loan repayment, remortgaging, or selling.

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Why Get A Property Valuation?

A property valuation is crucial for a range of situations, from selling your home and setting the right price, to leasehold extensions, matrimonial settlements, and probate purposes. Whether you’re looking to make informed decisions about buying, selling, or managing assets, an accurate valuation ensures you’re not overpaying or undervaluing your property. At Watsons, our experienced RICS-Qualified Surveyors offer professional, tailored valuations that provide clarity and peace of mind for

Full List Of Valuation Services

FAQs

Homes England calculates your loan repayment as a percentage of your property’s current value. A professional valuation ensures you pay the correct amount and comply with their requirements.

A RICS surveyor will inspect your property and assess its value based on market trends, condition, and comparable sales in the area.

No, Homes England only accepts valuations from RICS-accredited surveyors to ensure an independent and accurate assessment.

Yes, a valuation is required if you are repaying your Help to Buy equity loan or remortgaging, as the loan repayment is based on your property’s current market value.

You must submit the report to Homes England, who will confirm the repayment amount. If selling or remortgaging, lenders may also require the valuation.

If you don’t repay your equity loan within the required timeframe, Homes England may take legal action or charge you interest and fees on the outstanding balance.

Helpful Downloads

Choosing The Right Survey (PDF)

Survey Services

An home survey will provide you with a clear understanding of the property’s condition.

Valuation Services

We provide a valuation service that gives our clients confidence they have the full picture.

Commercial Services

We offer a reliable and comprehensive service across all sectors of the commercial markets.

Regulated by RICS

We are regulated by The Royal Institution of Chartered Surveyors (RICS).

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Easter Opening Hours

Good Friday – Closed

Saturday – Open as normal

Sunday – Closed

Easter Monday – Closed

For out of hours contact/emergencies please see information below:

For Tenants/landlords – please call 01603 751555 and follow the instructions. This will provide you with an out of hours contact number, plus the number of an emergency plumber.

For Leaseholders – please call 01603 226500 and follow the prompts. Listed are numbers for various contractors, depending on the type of emergency. 

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Have a Happy Easter!