Help To Buy Valuations
As part of your Redemption process with Target HCA you will need a RICS Help to Buy Valuation carried out by a RICS Registered Valuation Surveyor. Target require the Help to Buy valuation to establish the Market Value of your property whether you have sold or are just redeeming the loan.

Your Target HCA Compliant Report

The criteria for a Help to Buy valuation are quite strict, and Target HCA will reject incorrect/incomplete valuation reports.
We have carried out hundreds of RICS Help to Buy valuations with no rejections.

Why Choose Us?

Our RICS Help to Buy valuation fulfils the criteria required by Target for your redemption, but what sets us apart is the advice we give to our clients. We advise how to repay the Help to Buy loan as part of our valuation service. We know how Help to Buy loans work inside out, and as a result, some of our quickest redemptions have been completed in minutes. 

The RICS valuation is an integral part of the process, but knowing what else to submit, understanding what is required by Target, and the advice we give to clients on the submission and telephone discussion, has led to hundreds of successful redemptions.

The most common question is ‘How do I pay back my Loan?’ This is a question we can easily help you with. Using a combination of our years of experience, our expert understanding, and our tailored Help to Buy valuations, we can provide a comprehensive and unmatched service.

Frequent questions our RICS Help to Buy valuation specialists get asked

We love helping people and that’s why there is no question too big or too small. Of course, if  you have a mortgage provider or financial adviser they will be helping you with the details surrounding remortgaging. Alternatively, you may have only spoken to Help to Buy or Target. We are here to help where they can’t.

Whilst our job is to provide you with an accurate valuation, we can also help you with any questions relating to redeeming or staircasing your Help to Buy Mortgage.

If you have any questions, please email

You will need a help to buy valuation if you are looking to sell your property, redeem the loan (with or without finance), or if you wish to back the loan either in cash or incorporate it into a new mortgage.

It’s very similar to a mortgage valuation where come and visit your home before using our local market knowledge to put a value on your property. We will research the values of similar property and take into account market conditions.

Our operating hours are 9 am -5.30 pm, 5 days a week. We will always try to find a slot for you that works.

Depending on how big your property is, our inspection, on average, takes 30 minutes. This doesn’t include a tea break.

We like to visit Help to Buy valuations within 2 working days and sometimes sooner dependent on location and availability. The report itself will take no more than 30 minutes and we send you a copy within 48 hours.
Remember it is only valid for 3 months. After that, we will need to reconfirm the valuation and if after 6 months we may need to perform a new report. Also, the longer you leave it, your property may go up in value which will mean that your Help to Buy valuation will be higher.
Once you have successfully submitted a valid Help to Buy valuation report you will receive an estimated repayment quote. This will include details of any arrears and your daily interest payment rate to allow your solicitor to calculate an accurate final repayment sum.

All our valuations are carried out by RICS Registered Valuers who are qualified up to the latest standards. We have a 100% success rate of submissions to Target HCA.

Our Help to Buy Valuation Reports are based on our professional intelligence and market experience. Our valuations are always a fair reflection of the current market value. That said, we are always open to hearing your views on the value of your property and if you feel there has been a mistake or something we need to look into. Just get in contact we are a friendly family-run business, and customer satisfaction is always a priority.

More than just a valuation

There is a very useful section towards the end of the report called ‘Issues for your legal advisors’ where all matters that require further investigation by your solicitor or conveyancer are summarised. The current owner has a duty to be honest when completing the property questionnaire, but statements that cannot be confirmed by independent verification should not be relied upon.

Potential legal queries that might be highlighted in a Homebuyer Repor,t include any ambiguity over the physical boundaries, ownership of outside space and rights of access, off-street parking, documentation relating to extensions (both to the subject property and adjoining properties) and alterations. As well as guarantees/warranties and proposed work to areas that could not be inspected, such as high-level roofs.

We are always happy to provide additional services beyond the scope of the standard package, such as a specification for future works, which may be helpful when sourcing a builder to undertake repairs.

You can get an idea of how useful our clients have found our survey reports to be by viewing some of their comments on our Trust Pilot reviews page.

A Help to Buy Valuation Report is a complicated document that we prepare on your behalf

Why You May Need A Help to Buy Valuation Report

When paying back your equity loan, you have two options; Full Redemption and paying your equity loan back in full with or without selling your property. Or Partial Redemption, also known as Staircasing, where you pay back part of your equity loan without selling your property.

Please read the Target HCA Customer Information Pack for details on the full process and documentation needed for either option.

Redeem when you sell

If you sell the property against which your loan is secured, you will need to repay your loan in full. This is also known as loan redemption.

The repayment amount you will be required to pay is calculated as a proportion (percentage) of either the current market value or the agreed sale price of your home. Whichever is higher will be chosen.

You will need a Help to Buy Valuation Report.

Redeem without selling

In this scenario, you will be looking to repay (redeem) your loan in full without taking out another loan secured on your property. The repayment amount you will be required to pay is calculated as a proportion (percentage) of the current market value.

You will need a Help to Buy Valuation Report.

Staircasing with another loan

In this scenario, you will be looking to repay (redeem) your loan in part by taking out another loan secured on your property with another lender.

You will need a Help to Buy Valuation Report.

Staircasing without a loan

In this scenario you will be looking to repay (redeem) your loan in part by taking out another loan secured on your property with another lender.

You will need a Help to Buy Valuation Report.

Bristol Office

Henleaze Business Centre,
13 Harbury Road, Henleaze,
Bristol BS9 4PN
Tel: 01172 872199

London Office

56 Gloucester Road
London SW7 4UB
Tel: 020 3633 2515

Taunton Office

Bridge House,
7 Bridge Street
Taunton TA1 1TG
Tel: 01823 765057

Exeter Office

2b Manaton Court,
Marsh Barton,
Tel: 01392 984364

Plymouth Office

24-26 George Place
Tel: 01752 936567

Still need more information?

Click here to read a handy guide from Target which explains everything.