Help to Buy Equity Loan Valuation in Gloucester
If you need to repay your Help to Buy equity loan — whether through selling your home, remortgaging, or making a part repayment — Homes England requires a RICS Red Book valuation from an MRICS or FRICS-qualified surveyor. Adam Till MRICS delivers Help to Buy equity loan valuations across Gloucester and Gloucestershire, from £199 inc. VAT, with reports addressed directly to Homes England and produced to the precise standards they require.
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What is a Help to Buy equity loan valuation?
A Help to Buy equity loan valuation is a formal property valuation carried out in accordance with RICS Valuation — Global Standards (the Red Book) and the specific criteria set by Homes England. Because the Help to Buy equity loan was issued as a percentage of your home’s value at the time of purchase — typically 20% — the amount you repay is also based on a percentage of your home’s current market value, not the original loan amount. Homes England therefore needs an independent, RICS-compliant valuation to calculate what you owe.
The report must be prepared by a surveyor who holds MRICS or FRICS membership and is registered with the RICS. It must be on headed paper, signed and dated, addressed to Homes England, and include supporting comparable evidence from the local market. A valuation that does not meet these criteria will be rejected, requiring you to commission a further report at additional cost.
Adam Till MRICS produces these reports to a standard that Homes England accepts, drawing on 15 years of local valuation experience and a thorough understanding of the specific requirements attached to the Help to Buy scheme.
When do you need a Help to Buy equity loan valuation?
You will need a Help to Buy equity loan valuation if you are selling your home and repaying the loan on completion. In this situation, the equity loan is repaid from the sale proceeds, calculated as the same percentage of the final sale price or the RICS valuation — whichever is higher. You must commission the valuation independently and provide it to your Help to Buy agent before the repayment is processed.
A valuation is also required if you are remortgaging and want to repay the equity loan at the same time, or if you are making a voluntary part repayment (known as a partial staircasing payment) to reduce the equity loan amount without selling. In both cases, Homes England uses the RICS valuation to calculate the repayment figure.
There are strict time limits: Help to Buy equity loan valuations are valid for three months from the date of the inspection. If your transaction does not complete within that window, you may need a desktop extension report, which extends the valuation by a further three months. Adam Till Valuations can advise on this when you get in touch.
If you are selling your shared ownership property, you will also need a RICS valuation. Under shared ownership rules, your housing association typically has a nomination period during which they market the property at the RICS valuation price. The report must be current, so timing matters.
Remortgaging a shared ownership property is a third common trigger. Most lenders require a RICS valuation as part of the remortgage process, and some shared ownership leases require the housing association’s consent before any remortgage proceeds. If your housing association is one of the providers Adam Till Valuations regularly works with — including Abri, Aster Group, Bromford, CBH, Citizen, Clarion Housing, Cottsway, Curo, GCH, Green Square Accord, Heylo, LiveWest, Peabody, Platform Housing Group, Rooftop Housing Group, Sage Homes, Sanctuary, or Stonewater — the report format will already be familiar to their teams.
What does the process involve?
After you contact Adam Till Valuations to confirm your address and the purpose of the valuation, you will receive a fixed quote. Once you accept, an inspection date will be arranged to suit you. Adam Till MRICS will attend the property to carry out a thorough internal and external inspection, which typically takes between 30 and 60 minutes.
The completed report is then prepared in line with RICS Red Book standards and the specific Homes England criteria. It is addressed directly to Homes England, signed and dated on headed paper, and includes comparable sales evidence from the Gloucester and Gloucestershire market. The report is sent to you — usually within a few working days of the inspection.
You then pass the report to your Help to Buy agent or conveyancer to progress the loan repayment. If Homes England or your agent raises any queries about the report, Adam Till Valuations will respond promptly and at no additional cost.
Following the inspection, Adam Till researches comparable sales evidence from the local market to support the valuation figure. The completed report is prepared in accordance with RICS Red Book standards, signed on headed paper, and sent to you — usually within a few working days of the inspection.
Once you have received the report, you can pass it directly to your housing association or lender. If your housing association requires any amendments or additional information in the report, Adam Till Valuations will address these promptly at no additional charge.
How much does it cost?
Help to Buy equity loan valuations start from £199 inc. VAT. The exact price is confirmed before you book and depends on the size and location of the property — there are no hidden charges.
Adam Till Valuations operates a price guarantee: if you have a like-for-like written quote from another RICS-regulated firm at a lower price, we will match it. Call 07858 916345 or email info@adamtillvaluations.co.uk to get your quote. The office is open Monday to Friday, 8am–7pm.
Adam Till Valuations operates a price guarantee: if you receive a like-for-like written quote from another RICS-regulated surveyor at a lower price, we will match it. To get your quote, call 07858 916345 or email info@adamtillvaluations.co.uk. The office is open Monday to Friday, 8am–7pm.
Why choose Adam Till Valuations?
RICS regulated: Adam Till holds MRICS membership — the qualification level required by Homes England for Help to Buy equity loan valuations.
Reports addressed to Homes England: Every report is formatted precisely to Homes England’s requirements, minimising the risk of rejection or delay.
15 years of local experience: Deep knowledge of the Gloucester and Gloucestershire property market ensures the valuation is accurate and well-supported by comparable evidence.
229 five-star Google reviews: Consistent positive feedback from homeowners who have successfully completed Help to Buy repayments using Adam Till’s reports.
Price guarantee: We will match any like-for-like quote from a RICS-regulated competitor.
Fast turnaround: Reports are typically delivered within a few working days, helping you stay within the three-month validity window.
Frequently Asked Questions
Q: What qualification does my surveyor need for a Help to Buy equity loan valuation?
A: For the Help to Buy: Equity Loan (2021–2023) scheme, Homes England requires the surveyor to hold MRICS or FRICS membership. Adam Till holds MRICS status and is RICS-registered, meaning his reports meet the qualification criteria Homes England sets out in its guidance.
Q: How long is a Help to Buy equity loan valuation valid?
A: Help to Buy equity loan valuations are valid for three months from the date of the inspection. If your transaction — whether a sale, remortgage, or partial repayment — does not complete within that period, you will need a desktop extension report to extend the valuation by a further three months.
Q: Can I use an estate agent’s valuation instead of a RICS report?
A: No. Homes England will only accept a valuation carried out by an MRICS or FRICS-qualified RICS-registered surveyor. An estate agent’s opinion of value or an automated valuation model will be rejected. Using a non-compliant valuation could delay your transaction and require you to pay for a second report.
Q: What happens if I have made improvements to the property?
A: The RICS valuation reflects the current open market value of the property, including any improvements you have made. Unlike shared ownership, Homes England does not typically require a separate “unimproved value” for Help to Buy equity loan repayments. Adam Till will confirm the exact requirements based on your specific circumstances when you book.
Q: Do I need to tell my Help to Buy agent before commissioning a valuation?
A: You should notify your Help to Buy agent of your intention to repay the loan before arranging the valuation, as they will guide you through the overall process. However, you arrange and pay for the RICS valuation yourself. Adam Till Valuations can provide the report directly to you for onward submission to your agent or conveyancer.