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Help to Buy valuation

Help to Buy valuation by a RICS valuer. The figure Homes England accepts.

To repay or part-repay a Help to Buy equity loan, Homes England needs the home valued by an independent RICS valuer. The loan is a share of that value, so the valuation sets what you pay.

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  • RICS Registered Valuers
  • Valid for Homes England
  • For repaying, staircasing or selling
A valuer Homie measuring a new-build semi with a red tape measure while the red padlock on the gate swings open
  • 1,286Help to Buy valuations booked with us
  • £299what most of our customers paid
  • +13.2%England’s average home over five years
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The short answer

Help to Buy valuation, in 30 seconds

Why you need it
Homes England works out what you owe from the home’s value today, and only accepts a valuation from a RICS Registered Valuer.
What you repay
The same share of today’s value as you borrowed. Borrow 20% and you repay 20% of what the home is worth now.
How long it lasts
The valuation is only valid for a short time, so book it when your remortgage or savings are ready.
Next step
Pair it with a redemption solicitor in our Help to Buy bundle, or use it to staircase part of the loan.

What a share is worth now

A 20% share of the average home, by region

Because the loan tracks the home’s value, rising prices raise what you repay. London loans could be 40%, which doubles the figure.

  • London+1.6% in five years £110,886
  • South East+8.3% in five years £75,991
  • East of England+9% in five years £67,570
  • South West+11.7% in five years £60,828
  • West Midlands+17.6% in five years £50,146
  • East Midlands+15.6% in five years £48,391
  • North West+23.5% in five years £44,079
  • Wales+20% in five years £43,273
  • Yorkshire and the Humber+19.7% in five years £41,853
  • North East+20.9% in five years £33,128

A fifth of the UK House Price Index average for each region, August 2026.

How it works

How it works

  1. 1

    Book the valuation

    Tell us the address and whether you are repaying all or part of the loan.

  2. 2

    The valuer visits

    They inspect the home and check comparable local sales.

  3. 3

    Send it to Homes England

    Use it to redeem the loan, or book our redemption solicitor alongside.

FAQ

Help to Buy valuation: your questions

Do I need a RICS valuation to repay Help to Buy?

Yes. Homes England requires a valuation by an independent RICS Registered Valuer to work out how much you owe.

How much will I repay?

The same percentage of today’s value as you borrowed. If you borrowed 20% and the home is now worth more, you repay more.

How long is the valuation valid?

Only for a short window, set by Homes England. Book it when the money is ready, not months ahead.

Can I repay part of the loan?

Yes, that is staircasing. Each part repayment needs its own valuation.

What if I am selling?

The loan is repaid from the sale. Homes England uses the sale price if it is higher than the valuation.

What does it cost?

A fixed price online. Most of our customers paid about £299.

Near you

Help to Buy valuation in our cities

Other surveys and valuations

How we worked this out

  • Regional values are a fifth of the UK House Price Index average for each region, latest August 2026.
  • Bookings and the typical price are from Homemove’s own Help to Buy valuation bookings.

Ready when you are.

Help to Buy valuation, booked online and tracked in your Homemove dashboard.

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