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Help to Buy Valuations

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What are Help to Buy valuations?


Help to Buy is a government scheme that allows purchasers meeting certain criteria to share ownership of their new home with the government. If you have purchased a home using this scheme, you will need to get an independent valuation when you come to sell the house or repay the government loan. You will also need a valuation if you want to ‘staircase’. Staircasing is a process that allows you to partially repay your loan without selling the property, so that you increase the share that you own.


Unlike mortgages from banks, the help to buy scheme loans you a proportion of the property’s value, rather than a set amount of money. The amount that needs to be repaid when the property is sold, or that is required in order to staircase, depends on the value of the property at that moment in time, or the agreed sale price (whichever is higher).

If the property increases in value, the amount you owe increases too. If the value falls, so does the outstanding loan amount.

It is therefore important to get an independent valuation when you make any changes to your loan, so that you and the loan provider (the government, in this case) can be sure that the settlement of the loan is fair and accurate.

Fast, Quality Service | RICS Registered Valuers


At Allcott Associates we carry out RICS valuations for Help to Buy, shared ownership and Right to Buy properties. Our independent RICS registered valuers provide a high-quality and professional service that is fully in-line with both RICS Red Book standards and the requirements of Target (Help to Buy) and housing associations (shared ownership).

Help to Buy valuations must meet strict criteria

Help to Buy loans are managed on behalf of the government by a company called Target. Target have set out criteria for valuations, all of which are met by Allcott Associates.


We are RICS Certified Surveyors and Valuers
Valuations are carried out in accordance with RICS Valuation Standards (Red Book)
We are completely independent from any estate agency
Our report will be on headed paper, will be signed by a member of the RICS and addressed to Target HCA
We will provide at least three comparable sales (matching property type, size, and age and within a 2 mile radius of the property in question)
We carry out a full conflict of interest check upon inspection to ensure no conflicts exist
We will inspect the interior and exterior of the building and provide a full report
The inspection date will be shown on the report


Help to Buy valuations carried out by Allcott Associates also comply with the RICS ‘Red Book’ – a guidance document that sets out high professional and ethical standards for property valuations.

Help to Buy home

What does a Help to Buy valuation include?


Inspection of the property by a surveyor local to the area

Overview of the property, its construction, locations and accommodation

Overview of the property’s general condition, with photographs

Details of three comparable properties nearby that have been sold in the past 12 months

Valuation of the property, with a detailed description of the evidence and assumptions used


In accordance with Target requirements, valuations are valid for 3 months. If it is less than 2 weeks since the expiration date, we can carry out desktop research to extend the valuation for a further 3 months, for a small additional fee.

Our friendly and helpful team are happy to talk you through your options. You can contact them on: and 0333 200 7198