If you have a Help to Buy equity loan and plan to repay it, remortgage, or sell your property, you’ll need an independent Help to Buy valuation from an RICS surveyor. SDL Surveying provides fully compliant valuations that meet the government’s requirements.
Your Help to Buy loan is interest-free for the first five years and usually runs for up to 25 years. When you repay part or all of the loan, the amount owed is calculated as a percentage of your home’s current market value, not the amount you originally borrowed.
A Help to Buy valuation establishes the current market value of your home and forms the basis for calculating your repayment. If your property value has fallen, you may repay less than you initially borrowed. If it has increased, the repayment amount may be higher.
Once your valuation is complete, the report must be submitted to Homes England, who administer the Help to Buy scheme and will confirm the final amount you need to repay.
Nationwide team of RICS-qualified valuers 
Efficient booking process and quick turnaround times 
Customer service rated as ‘Excellent’ on Trustpilot
A Help to Buy valuation is valid for 3 months from the date of the report. If your sale, remortgage, or repayment isn’t completed within that time, there are a couple of ways to extend your valuation – but it’s important to follow Homes England’s guidelines to avoid delays or extra costs.
If you’re close to completing your transaction but need a little more time, we can provide a formal letter to extend your valuation by one additional month. After this, Homes England requires a full new valuation (no desktop updates allowed).
If more time is needed, we can carry out a desktop review of the market to extend your valuation for another 3 months. This option is only available if your original valuation has not expired by more than 2 weeks, and you request the extension within that timeframe.
These rules are set by Homes England, so we recommend planning your timing carefully. If you’re unsure which option to choose, we’re happy to help and can guide you through the process to keep things moving smoothly.
Help to Buy schemes explained
Help to Buy is a government scheme that aims to help first-time buyers get onto the property ladder. It was designed to help those who need it most i.e. buyers who would otherwise be unable to access affordable mortgages due to having insufficient deposits.
Please note you can no longer apply for a Help to Buy: Equity Loan but other government schemes are available.
For more information, click here.
If you previously purchased your home with a Help to Buy loan, you may need a valuation to repay, remortgage, or sell your property.
Help to Buy valuations are required to be carried out by a qualified RICS surveyor and meet specific requirements to be accepted. At SDL Surveying all of our surveyors are RICS-qualified and able to meet all standards for Help to Buy valuations.