Help to buy valuation specialists | Part Exchange | Surveys
New Homes | Chartered Surveyors | Valuers


Pay back the help to buy loan.

Moving forward with Help to Buy …..

“We have now updated our advice moving forward under the new administrators Homes England for your Help to Buy – please see here

As a firm of RICS Regulated Surveyors R J Harmer specialise in providing the advice required to pay back the help to buy loan. Paying back you Help to Buy loan can be daunting but by following the correct procedure with Target, then this can be made simpler. It is important that the correct Help to Buy valuation is provided to Target or the valuation will be rejected.

Help to buy is a government scheme for first-time buyers. It provides a loan, called an equity loan, that you put towards the cost of buying a new build.

It is the Homes and Communities Agency (trading as Homes England), who provide the equity loans. They are a government agency funded by the Ministry of Housing, Communities and Local Government.

From April 2021 to March 2022, the rules surrounding these Help to Buy loans changed and there are now certain maximum property prices for differing geographical locations. You cannot change or negotiate this maximum. Your homebuilder will be able to confirm if the home you want to buy is within the price range.

From 1 April 2013 to 31 December 2020

313,043 properties were bought with an equity (Help to buy) loan.

The total value of these equity loans so far totals £18.9 billion.

The value of the properties sold under the scheme totals £86 billion.

(Information dated 31st December 2020 and provided by

This ultimately means that there will be a significant requirement to pay back help to buy loans. It is not easy to find out how to do this but we as a firm of RICS Registered Surveyors specialise in providing the advice required to pay back the help to buy loan and how to specifically deal with Target – who operate the administration of the paying back of your help to buy loan.

Part of the requirement to pay back your help to buy involves the need for a help to buy valuation sometimes referred to as a help to buy survey to be carried out by an RICS Registered valuer.

We as a family run firm specialise in providing this valuation service as well as providing the advice required for dealing with Target and the submission of the valuation along with the relevant documentation.

If you require further information or advice – or wish to book a help to buy valuation then please contact us

Richard Harmer is an RICS registered Surveyor and valuer. R J Harmer Ltd is regulated by RICS. You will need an RICS registered valuer/surveyor to complete your Help to Buy Valuation.


R J Harmer Ltd has been established for over 25 years and offers professional advice to a number of National Clients.

Our services range from Part Exchange Agency to the specialism of Help to Buy valuations, property survey and valuation and New Homes sales and land agency.

Our personal and professional approach has allowed us to develop on a National Basis and offer our clients a reliable and efficient service – indeed many of our national clients have been with us since we began.

Our geographical area for Help to Buy valuations has a national coverage. We cover most of the Midland cities, including Leicester, Lincoln, Nottingham, Derby, York, Sheffield, Leeds and Birmingham . Our regional counties include. Cambridgeshire, Lincolnshire, Northamptonshire, Bedfordshire, Warwickshire, Leicestershire, Rutland, Nottinghamshire, Derbyshire, South Yorkshire and West Yorkshire,

Hi Tracey Many thanks for sending this through and for the advice – most helpful. I have just sent the documents and spoken with Target on the phone (Caitlyn) who took my payment, looked over the documents and uploaded them to the redemption team as we spoke. Thanks again for yours and Richard’s help. All the Continue Reading

Hi Tracey, I would like to let you and Richard know that my Help to Buy Redemption has now been successfully completed. Thank you both for your great service and valuable advice with regards to the redemption process, much appreciated. Regards   –   Amit/Roshni

©R.J.Harmer – Help to buy valuation specialists 2023 Hosted and developed by Roffesoft