What Is An RICS Help To Buy Valuation?
What is an RICS Help to Buy Valuation?
If you bought your home using the government’s Help to Buy scheme, you’ll need a Help to Buy valuation carried out by an RICS-registered surveyor when you decide to sell, remortgage, or repay your equity loan. This independent valuation confirms your home’s current market value — a figure Homes England use to calculate how much you owe on the loan portion.
Why is an RICS Help to Buy Valuation needed?
When you first bought your property through Help to Buy, the government lent you up to 20% (or 40% in London) of the purchase price as an equity loan. The amount you repay isn’t fixed — it’s based on your home’s current market value when you come to settle the loan.
That’s where an RICS Help to Buy valuation comes in. It provides an impartial, accurate market valuation from a qualified surveyor, ensuring the repayment figure is fair for both you and Homes England.
You’ll need this type of valuation when:
Repaying your Help to Buy loan in full or part
Selling your home
Remortgaging to another lender
What does the valuation include?
An RICS Help to Buy valuation includes:
A detailed inspection of your property
Comparable evidence of recent local sales
A written report confirming your home’s open market value
A valuation that’s valid for 3 months, with a possible extension if needed
Only an RICS-registered surveyor can provide a valuation accepted by Homes England, so it’s important to choose a qualified professional like Core Consult to carry it out.
How long does it take?
The process is straightforward. Once booked, one of our RICS-registered surveyors will visit your property to carry out the inspection — usually taking less than an hour. You’ll typically receive your report within a few working days.
Why choose Core Consult?
At Core Consult, we provide accurate, independent RICS Help to Buy valuations that meet Homes England’s strict requirements. Our reports are clear, compliant, and delivered quickly — helping you move on with confidence.
Whether you’re repaying your loan, remortgaging, or selling your Help to Buy property, we’ll make the process simple and stress-free.
