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Redemption through Repayment

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

If your intention is to repay your equity loan without the need to consider selling your property (Redemption through Repayment) then we would suggest, based upon our experience, the following procedure:

Redemption without selling
  1. Download the relevant information pack which is applicable to your scheme.
  2. Instruct your RICS surveyor to carry out the Help To Buy Valuation on your behalf based upon the criteria required by the HCA for the Valuation Report itself. Request a Valuation)
  3. Instruct a solicitor who has dealt with Help To Buy Redemption previously.
  4. Submit the Help To Buy Valuation Report which should be fully completed and signed accordingly, this needs to be sent to with the address provided in the subject heading.
  5. The Help to Buy Valuation Report needs to be submitted within 5 days of you receiving the Valuation Report.
  6. It is likely that you will receive a redemption figure within 2-4 weeks of making the application and submitting the Help To Buy Valuation Report.
  7. You will then have 4-6 weeks to settle the Redemption before the Valuation expires.

Please note that this information on Redemption through Repayment is provided as guidance only and is only provided on the basis of experiences we have had with previous clients, every case differs and it may well be that there is a more suitable process for you to follow.

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

RJHarmer Ltd is a RICS registered Surveyor


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

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