If you’re repaying your Help to Buy equity loan, you’ll need a RICS valuation for Help to Buy to confirm the current market value of your home.
At Bramleys, we provide professional Help to Buy house valuations carried out by experienced, RICS-registered surveyors, ensuring your valuation meets all Homes England requirements and avoids unnecessary delays.
A Help to Buy valuation confirms the current market value of your property. This value is used to calculate how much you need to repay when redeeming or staircasing your Help to Buy equity loan.
Because your repayment is based on today’s value (not the original purchase price) Homes England requires an independent, RICS-compliant valuation.
The valuation must be completed by a surveyor registered with the Royal Institution of Chartered Surveyors (RICS) and follow strict criteria set by Homes England.
If the valuation does not meet these requirements, it may be rejected and you may need to pay for a new report.
Your RICS Help to Buy valuation must be completed by a surveyor who is:
RICS qualified and RICS registered
A RICS member or fellow (MRICS or FRICS) (required for Help to Buy Equity Loan 2021–2023)
Not related to, or personally known by, you
Choosing a non-qualified surveyor is one of the most common reasons Help to Buy valuations are rejected.
To be valid, your Help to Buy house valuation must:
Include an internal inspection of the property
Provide at least three comparable property sales from the last 12 months
- Comparable properties must be similar in type, size, and age
-Located within two miles of your home
Include clear market commentary explaining how the comparable sales support the valuation figure
Be signed and dated on company headed paper
Be addressed to Homes England
The valuation is valid for three months from the inspection date and must be submitted within five days.
If your Help to Buy valuation expires before repayment is completed, you must contact your surveyor within two weeks of the expiry date.
You may be able to request:
1-month RICS valuation extension
Issued by the same RICS surveyor
Addressed to Homes England
Supplied as a non-editable PDF
3-month RICS desktop valuation
Completed within two weeks of expiry
Carried out by the same surveyor
Includes updated comparable evidence
If these deadlines are missed, a new Help to Buy house valuation will be required.
REQUEST A HELP TO BUY VALUTATION
Some properties require a specialist Help to Buy valuation, particularly if there are factors that could affect value, such as:
External cladding
Planning permission breaches
Unusual construction or non-standard materials
In these cases, a surveyor with specialist experience may be required. Bramleys can advise whether your property needs a specialist RICS valuation before you proceed.
Bramleys are experienced in providing RICS valuations for Help to Buy, shared ownership and equity loan repayments across West Yorkshire.
Contact Bramleys today to arrange your RICS Help to Buy valuation or to speak with our valuation team for guidance on surveys@bramleys.com
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