RICS-compliant valuations for Help to Buy equity loan redemption, staircasing and remortgaging








If you have a Help to Buy equity loan on your Aberdeen property, you will need a RICS valuation when you come to redeem, staircase, or remortgage. Our RICS-registered surveyors in AB25 provide independent Help to Buy valuations that meet all Homes England requirements. We inspect the property inside and out, compare with similar local sales, and provide a formal valuation report addressed to Homes England.
Aberdeen has seen significant changes in property values over recent years, with prices in AB25 currently around 36% below their 2014 peak. Whether you are looking to staircase (pay back some of your equity loan), sell your property, or remortgage to release equity, an accurate RICS valuation is essential. Our local surveyors understand the Aberdeen market, including the granite-built properties of Rosemount and the modern developments at Westburn Gardens.

£114,398
Average Property Price
£93,248
Flats Average Price
£294,280
Terraced Average Price
£245,722
Semi-Detached Average Price
-10%
Price Change (12 Months)
From £97,590
New Builds Available
A Help to Buy valuation is not the same as a standard mortgage valuation. It must be carried out by a RICS-registered surveyor and meet specific requirements set by Homes England. Our inspectors examine every aspect of your property, including the construction type, condition, size, and location. We look at how the property was built - whether it is a traditional granite stone flat in the city centre, a modern apartment in one of the Brutalist tower blocks like Hutcheon Court or Greig Court, or a new-build at Westburn Gardens.
The valuation report must include at least three comparable properties that have sold within the last two miles of your property. These comparables must be like-for-like in terms of property type, size, and age. Our surveyors have access to extensive data on recent sales in AB25 and the surrounding Aberdeen areas, allowing us to provide an accurate market value assessment. The report is addressed specifically to Homes England and is valid for three months from the inspection date.
Whether your property is a one-bedroom flat on Charlotte Street in a listed building, or a two-bedroom apartment in the Cornhill development, we ensure the valuation reflects current market conditions in the Aberdeen area. We take into account local factors such as proximity to Aberdeen Royal Infirmary, the University of Aberdeen, and transport links. The final report includes an overview of the property, sales history, a summary of the local housing market, and our methodology for arriving at the estimated market value.
Source: Zoopla 2024
The AB25 postcode covers a diverse range of property types, each requiring different valuation considerations. The area includes traditional granite buildings in conservation areas like Rosemount and Westburn, where properties often feature wetdash render and slate roofs. These older properties may have different maintenance requirements and construction methods compared to modern builds. Understanding these local characteristics is essential for an accurate valuation.
The area also includes several notable multi-storey developments from the 1970s, including Hutcheon Court and Greig Court. These Brutalist tower blocks were designed between 1973-1978 and were listed in 2021, meaning any valuation must consider their unique heritage status. The newer developments at Westburn Gardens by Barratt Homes offer modern apartments priced from £97,590 to £179,995, representing the current new-build market in AB25.
Aberdeen earned its nickname "The Granite City" from the distinctive local stone used in most pre-war construction throughout the city. Properties in AB25 reflect this heritage, with many Victorian and Edwardian tenements featuring solid granite walls that provide excellent thermal mass but require specific consideration when valuing. The combination of traditional stone buildings, mid-century tower blocks, and contemporary new builds creates a varied housing stock that demands local expertise to value accurately.
Choose your preferred date and time for the survey. We offer flexible appointments across AB25 and the wider Aberdeen area. Our online booking system shows available slots within days of your request.
Our RICS surveyor visits your property to conduct a thorough internal and external inspection. They photograph the property, note its condition, and assess its construction type. The inspection typically takes 30-60 minutes depending on property size.
We research recent sales of comparable properties in AB25 and surrounding postcodes. This includes properties of similar type, size, and age to yours. We focus on transactions within the last two miles that meet Homes England criteria.
We prepare your formal RICS valuation report addressed to Homes England. This includes our market value assessment and all required supporting documentation. The report follows RICS Red Book standards for valuation methodology.
Your completed valuation report is delivered as a PDF, typically within 5-7 working days of the inspection. We can arrange express delivery if needed for time-sensitive transactions.
Your Help to Buy valuation MUST be carried out by a RICS-registered valuer. The report must be on headed paper, signed and dated by the surveyor, and addressed to Homes England. The valuation is valid for three months - if it expires, you will need to commission a new valuation.
Our surveyors understand how local factors affect property values in Aberdeen. Properties near Aberdeen Royal Infirmary and the University of Aberdeen may command different prices due to their proximity to key employment and educational institutions. The recent price adjustments in AB25, with values down 10% year-on-year and 36% below the 2014 peak, mean that current market conditions must be carefully considered in every valuation. We ensure that comparable properties used in our assessment reflect these current market realities.
The AB25 area includes several conservation considerations that affect valuation. The Rosemount and Westburn Conservation Area contains numerous listed buildings where property values may be influenced by heritage status and renovation restrictions. Properties in these areas, such as those on Westfield Terrace featuring wetdash render and slate roofs, require specific expertise to value correctly. Our surveyors understand how listed building status affects both value and marketability in the local area.
The tower blocks in AB25 present unique valuation challenges. Hutcheon Court (1-140) and Greig Court (1-144) were listed in 2021 as examples of Brutalist architecture, adding a layer of heritage consideration to properties in these 15 and 19-storey blocks. Whether you own a flat in one of these landmark buildings or a traditional tenement flat on Charlotte Street, our surveyors have the local knowledge to provide an accurate assessment.
If you purchased a new-build property through Help to Buy, you will need a RICS valuation when you come to redeem your equity loan. New builds at developments like Westburn Gardens in Cornhill require valuations that consider the premium (or sometimes discount) associated with brand-new properties. Our surveyors understand the new-build market in Aberdeen and can provide accurate valuations for apartments and houses purchased through the scheme.
The cost of your Help to Buy valuation depends on factors including property type, size, and complexity. In AB25, prices start from £195 for standard valuations. The valuation amount is crucial because it determines the amount you need to repay on your equity loan. Whether you are staircasing to own 100% of your property or selling on the open market, getting an accurate valuation is essential for your financial planning.
Westburn Gardens represents the primary new-build activity in AB25, with Barratt Homes offering one and two-bedroom apartments ranging from £97,590 to £179,995. Properties in this development, located at 31 Berryden Gardens, are popular with first-time buyers using the Help to Buy scheme. Our surveyors regularly value properties in this development and understand the specific considerations for new-build valuations in the Aberdeen market.

A Help to Buy valuation is an independent assessment of your property's market value carried out by a RICS-registered surveyor. It is required by Homes England when you want to redeem your equity loan, staircase (pay back part of the loan), or remortgage your property. The report must meet specific requirements including being addressed to Homes England and including comparable sales data. Unlike a standard mortgage valuation, a Help to Buy valuation must include at least three comparable properties within two miles that are like-for-like in type, size, and age.
Help to Buy valuations in AB25 start from £195 for standard properties. The exact cost depends on factors such as property size, type, and complexity. Larger properties and those in multi-storey developments like Hutcheon Court or Greig Court may cost more due to the additional time required for inspection and research. You can get an instant quote online or speak to our team about your specific property. The national average ranges from £200 to £600, with AB25 pricing sitting comfortably within this range.
You should provide any relevant documentation about your property including the original purchase details, any renovation or extension certificates, and information about the Help to Buy equity loan. Our surveyor will also need access to all rooms in the property for the internal inspection. If you live in a listed building within the Rosemount and Westburn Conservation Area, any heritage-related documentation or planning consents would also be helpful. We recommend having your title deeds and any floor plans available if possible.
The valuation is valid for three months from the date of the inspection. If this period expires before you complete your redemption, staircasing, or remortgage, you will need to commission a new valuation. It is worth noting current market conditions in Aberdeen, where prices have been adjusting in recent years. Given the 10% year-on-year decline in AB25 and the 36% drop from the 2014 peak, obtaining a fresh valuation close to your intended transaction date is particularly important to ensure accuracy.
No. A Help to Buy valuation is different from a standard mortgage valuation. It must specifically meet Homes England requirements, including being carried out by a RICS-registered valuer and being addressed to Homes England. The report must also include at least three comparable sales within two miles of the property. A mortgage valuation typically focuses on the loan security aspect, whereas a Help to Buy valuation provides the detailed market evidence required for equity loan calculations and redemption purposes.
If your property value has decreased since purchase, the amount you repay on your Help to Buy equity loan will be based on the current market value, not your original purchase price. This means you may owe more than 20% of the current value. Our surveyors provide accurate current market valuations to ensure you know exactly where you stand. In AB25, where prices have fallen significantly from their 2014 peak, understanding your current position is particularly important for financial planning. The repayment amount is calculated as a percentage of the current market value or agreed sale price, whichever is higher.
The entire process from booking to receiving your report typically takes 5-7 working days. The physical inspection itself usually takes 30-60 minutes depending on the property size and complexity. After the inspection, our surveyors conduct market research, analyse comparable sales, and prepare the formal report addressed to Homes England. For urgent requirements, we offer express turnaround options where available. We aim to schedule inspections within a few days of your booking confirmation.
If your property value has decreased, you may find that the amount required to repay your equity loan represents a higher percentage of the current value than originally anticipated. Our surveyors provide detailed reports that explain the methodology and comparable evidence used, giving you full transparency into how the valuation was reached. If you believe there are errors or (special circumstances) that should be considered, you can discuss this with us or request a review. For staircasing decisions, understanding exactly where your property stands in the current market is crucial for financial planning.
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RICS-compliant valuations for Help to Buy equity loan redemption, staircasing and remortgaging
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Homemove is a trading name of HM Haus Group Ltd (Company No. 13873779, registered in England & Wales). Homemove Mortgages Ltd (Company No. 15947693) is an Appointed Representative of TMG Direct Limited, trading as TMG Mortgage Network, which is authorised and regulated by the Financial Conduct Authority (FRN 786245). Homemove Mortgages Ltd is entered on the FCA Register as an Appointed Representative (FRN 1022429). You can check registrations at NewRegister or by calling 0800 111 6768.