What is a Help to Buy valuation?
A Help to Buy valuation is an independent report that shows you the current open market value of your home using the Help to Buy scheme. A qualified RICS surveyor will visit, check the size, condition and location, then compare it to the recent local sales.
The figure in the report is then used to work out how much you must repay on your equity loan. It may also outline what you will pay when staircasing, selling or remortgaging, so accuracy and clear evidence are very important. This protects you and your housing association.
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Help to Buy valuation Services
Kirk-Brown Ltd supplies potential buyers with a number of Help to Buy valuation services suited to your specific needs. Our RICS surveyors provide valuations for selling, staircasing, remortgaging and repaying your equity loan. We also handle valuation updates, re-inspections and confirmation letters needed by Target or your current housing association. Every report is independent, clear and compliant, helping your transaction progress smoothly and be completely hassle-free.
RICS-compliant Help to Buy valuation
Our RICS-compliant Help to Buy valuation gives you an accurate, independent report required by Target HCA and housing associations. A qualified surveyor inspects your home, carefully assesses local evidence and reports the market value in a clear format so your sale, remortgage or repayment can proceed smoothly and confidently.
Staircasing valuation
A staircasing valuation is needed when you buy a larger share of your Help to Buy home.
Our surveyor visits, carefully checks the condition, and compares it with similar local sales.
We then confirm the current open market value, which your housing association uses to calculate how much you will pay overall.
Equity loan redemption valuation
When you are ready to repay your Help to Buy equity loan, you need an independent valuation report.
Our RICS surveyor inspects your property, reviews local sold prices and issues a formal document. This confirms the current market value used to calculate how much you must repay in total, safely.
Remortgage Help to Buy valuation
If you are remortgaging a Help to Buy property, the lender and Target HCA need a current valuation that is RICS compliant. Our surveyor visits your home, checks its condition and analyses local market evidence. We then provide a clear, compliant report to support your new mortgage application overall.
Valuation update or extension
Help to Buy valuations are usually only valid for three months from the date of inspection. If your sale, remortgage or repayment is delayed, you may need an update or extension.
We can review market changes, confirm accuracy and quickly issue an updated valuation letter or report when required promptly.
Re-inspection and confirmation letter
If your housing association or Target HCA request a complete re-inspection, we will revisit your property and confirm any changes since the first report. After we check the overall condition and market evidence again, we will issue you a short confirmation letter for Help to Buy, and this will tell you whether the original valuation should change.
How long the valuation is valid
Under Help to Buy rules, your valuation report is usually valid for three months from the date of inspection. Target HCA or your housing association will expect all calculations, offers and legal work to be completed within this time. If your sale, remortgage or repayment is delayed, you may need an updated letter.
Kirk-Brown Ltd can review market changes, confirm whether or not the value is still accurate, and, if necessary, provide an extension or fresh report agreed by your housing association. Doing so helps you avoid future problems, extra costs and last-minute cancellations later on.
Book Your Help to Buy valuation
Book your Help to Buy valuation with Kirk-Brown Ltd to get clear, reliable figures you can trust. A professional RICS surveyor is independent, follows strict rules and uses real local evidence, rather than guesswork or online estimates. This is paramount when you are repaying an equity loan, staircasing or remortgaging, because the value directly affects how much you will pay.
The inspection itself usually takes around 30 to 45 minutes, depending on the size and condition of your home. We then complete your written valuation report within two working days in most cases. Booking is rather simple, just contact our team with your address, Help to Buy reference and preferred dates, and we will quickly arrange a convenient appointment time for you.