Target HCA-compliant Red Book reports from our RICS-registered valuers
Regulated
Our RICS-registered HTB valuers in Solihull produce Target HCA-compliant Red Book reports for equity loan holders who need a figure accepted before a sale, remortgage or staircasing request. We inspect the property, research local comparables, and issue the report within 5 working days of the visit. That matters when the property sits in B90, B91, B92 or B93, because Target HCA wants an open market value backed by evidence from the local market, not a generic online estimate.
Solihull gives our valuers plenty to work with. Hampton Manor, Solihull, B91 2SW sits alongside schemes such as The Green, Shirley, Solihull, B90 4NE and Monkspath, Solihull, B90 4JE, so the comparable evidence can range from a £290,000 terraced home to a £630,000 detached house. homedata.co.uk records show an overall average sold price of £410,000 across 2,050 sales in the last 12 months, with 216,200 residents and 89,483 households across the borough. Those figures shape the loan repayment amount, so the valuation has to be done properly.
£410,000
Average sold price
-2.4%
12-month price change
2,050
Sales in last 12 months
74.3%
Homes built before 1980
Using listing data from home.co.uk and property data from homedata.co.uk
Target HCA only accepts a Red Book valuation from a RICS-registered valuer. A mortgage valuation, a desktop estimate, or an estate-agent appraisal will not be accepted, even if the figure looks close to what you expected. Before any sale, remortgage, or staircasing request, the report has to reach Target HCA through the portal, and the valuer’s figure must be based on open market value in Solihull, not on a guess.
That is why local evidence matters. A home near Solihull Town Centre Conservation Area is not valued in the same way as a new-build flat at The Green, Shirley, B90 4NE, and a detached house in Hampton Manor, B91 2SW will sit in a different price band again. Our valuers compare sold evidence from homedata.co.uk with current asking prices from home.co.uk, then apply RICS methodology to the actual property, its condition, and its setting.
Solihull also has 20 designated Conservation Areas, plus areas of Mercia Mudstone where shrink-swell movement can affect foundations. That does not mean every property has a defect, but it does mean a Red Book valuer will look closely at cracking, movement, damp, roof condition, and any sign of flood exposure from the River Blythe or the River Cole. In a borough where 33.7% of homes are detached and 39.1% are semi-detached, the figure has to reflect the real building in front of the valuer, not a broad postcode average.
Source: homedata.co.uk sold-price records and home.co.uk live asking prices for Solihull, B90, B91 and nearby new-build schemes.
The site visit is usually short. Around 30 minutes is common for a standard house in B90 or B91, and the valuer will measure rooms, note the accommodation, and photograph the internal and external condition. A property off Dog Kennel Lane in Shirley or one near Lapwing Drive in Hampton in Arden gets the same careful inspection, with any defects that could affect value recorded at the time of the visit.
After that, the work continues back at the desk. Our valuers research recent sold prices, current asking prices, and recent transactions in nearby developments such as Hampton Manor, The Green, and Monkspath. If the home sits within a Conservation Area, has older brickwork, or shows signs of movement on Mercia Mudstone ground, those points are folded into the final open market value. The report is then written to Red Book standards and prepared for submission to Target HCA.
Send the property address, your equity loan details, and any notes on access. We cover Solihull, Shirley, Hampton in Arden, and surrounding B90, B91, B92 and B93 postcodes.
We agree a time for the inspection with you, the seller, or the tenant. If the home is empty or rented, we will work around that arrangement.
A RICS valuer visits the property, spends around 30 minutes on site, checks the accommodation, records measurements, and photographs the areas that affect value.
We write the Target HCA-compliant report within 5 working days of inspection. It states the open market value and the evidence used to reach it.
You upload the report through the portal before you sell, remortgage, or staircase. If the 3-month window has passed, a fresh inspection is needed.
Book the valuation only when you are ready to move within 3 months. Target HCA treats the report as time-sensitive, and once the 3-month period from inspection has passed you will need a new inspection and a fresh fee. That matters just as much for a B90 flat as it does for a detached house in B91.
The repayment amount is tied to the valuation figure, not the price you originally paid. homedata.co.uk records show Solihull’s overall average sold price at £410,000, with a 12-month change of -2.4%, so the current market level can move the number up or down depending on the exact home. A Red Book valuation on a property in Shirley, Solihull or Hampton in Arden sets the figure that Target HCA uses.
The maths is simple. If you took a 20% Help to Buy loan on a £250,000 purchase, the loan was £50,000 at the original price. If the property is now worth £320,000, the repayment figure becomes £64,000. That extra £14,000 comes from the higher open market value, which is why a valuation on a B90 new build, a B91 detached house, or a flat near Solihull Town Centre can have a real impact on the amount you need to repay.
Solihull’s housing mix makes this even more noticeable. Flats average £210,000, terraced homes £290,000, semi-detached homes £360,000, and detached homes £630,000, so the repayment figure can sit in very different bands across the borough. If your property was bought on a new-build scheme such as Hampton Manor, The Green, or Monkspath, our valuers will compare it against recent local evidence rather than the headline borough average.
If you think the figure misses something important, such as a material change in condition or a recent sale on the same development, you can ask for a second opinion. In Solihull, that might mean a flat in B90, a house near B91 2SW, or a home close to one of the 20 Conservation Areas where comparable evidence is tighter and the market is more specific.
Target HCA will rarely accept a challenge unless conditions have changed materially or there has been a clear error in the first report. In practice, the final choice often rests with the lender or buyer, so a second valuation is possible, but it does not mean the first figure will be set aside. If the issue is a structural concern, flood history from the River Blythe, or clay movement from Mercia Mudstone, that evidence has to be real and recent.
The inspection itself is usually around 30 minutes, whether the property is in B90, B91, B92 or B93. We then turn the Red Book report around within 5 working days of inspection, so you are not left waiting long to submit to Target HCA.
The valuation is valid for 3 months from the inspection date. Target HCA is strict on this point, so if the window has passed you will need a fresh inspection and a new fee, even if the property is the same house in Shirley or the same flat in Solihull town centre.
Target HCA accepts only a Red Book valuation from a RICS-registered valuer. It will not accept a mortgage valuation, a desktop estimate, or an estate-agent appraisal, even if the property sits on a new-build scheme such as Hampton Manor or The Green, Shirley.
You can ask for a second valuation, but Target HCA rarely moves unless the facts have changed, such as a new defect, a material repair, or an obvious error in the first report. In practice, the evidence from recent Solihull comparables usually carries more weight than a hoped-for figure.
The Help to Buy valuation is not a survey. If your property is older, especially one of the 74.3% built before 1980, a RICS Level 2 Survey or, for more complex homes, a Level 3 Building Survey may be worth arranging. In Solihull, Level 2 survey pricing usually sits between £400 and £700.
The owner or leaseholder who instructs the valuation normally pays. If you are staircasing, selling, or remortgaging a home in B91 or B90, the fee sits with the person asking for the report.
It is the open market value, not a buyback figure or a forced-sale figure. Our RICS valuers are looking at what a willing buyer would pay a willing seller in Solihull today, using local evidence from places like Monkspath, Hampton Manor, and The Green, Shirley.
Our pricing starts from £350 for properties under £300k. Fees then move to from £425 for £300k to £500k, from £495 for £500k to £750k, and from £595 for homes over £750k. With Solihull’s overall average sold price at £410,000, many homes sit in the from £425 bracket, though the final fee depends on the property.
From £350
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Target HCA-compliant Red Book reports from our RICS-registered valuers
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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.
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