Help to Buy Valuation BN95

A Help to Buy valuation is an independent assessment of your property's current market value, required by Homes England when you want to redeem your equity loan. Whether you are looking to repay your loan in full, make a partial repayment, or remortgage your property, this valuation must be conducted by a RICS-regulated surveyor using Red Book methodology. The valuation provides Homes England with the market value figure they need to calculate the amount you owe on your equity loan. Our team has helped hundreds of homeowners in the Brighton and Hove area complete this process successfully.

Our surveyors in BN95 follow the RICS Valuation Global Standards (Red Book) to ensure your valuation is compliant with all regulatory requirements. The valuation report will be addressed to Homes England and include detailed information about your property, its condition, and comparable evidence from the local market. This ensures the valuation is accepted by your equity loan provider and allows you to proceed with your redemption plans. We pay particular attention to recent sales data and current market trends to ensure accuracy.

The BN95 area covers diverse property types from period properties in Brighton and Hove to modern developments in Lancing and Sompting. Our local valuers have extensive knowledge of these markets and understand how factors such as proximity to the coast, transport links, and local amenities can affect property values. We use this local expertise to provide accurate valuations that reflect true market conditions. Each valuation includes a thorough inspection and detailed analysis of comparable properties to support the final figure.

• RICS Red Book Compliant
• Accepted by Homes England
• Valid for 3 Months
• Independent Market Valuation

The Help to Buy equity loan scheme allowed buyers to purchase a new build property with just a 5% deposit, with Homes England providing an equity loan of up to 20% (or 40% in London) of the property value. Since then, the scheme has evolved, but many homeowners still have these equity loans that they need to redeem. When you come to repay or remortgage, the amount you owe is calculated based on the current market value of your property, not the price you originally paid. Understanding how this calculation works is essential for planning your redemption.

The valuation we provide determines the current market value, which is used to calculate your repayment amount. If your property has increased in value, your equity loan percentage remains the same, but the actual pound amount you owe will be higher. Conversely, if property values have fallen, you may find you owe less than the original loan amount. Our accurate valuations ensure you know exactly where you stand. We explain the calculation method clearly in our reports so you can understand your position.

BN95 has seen property values increase by 3.2% year-on-year, with the average property in the BN95 1AA area now valued at £1,250,000. This growth reflects the continued popularity of the Brighton and Lancing areas as desirable places to live, with excellent transport links to London, coastal amenities, and strong local schools. Our valuers understand these local market drivers and reflect them in your valuation. The coastal location and excellent transport connections continue to attract buyers, supporting ongoing property value growth in the area.