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


Home Buy Direct

Home Buy Direct was an affordable housing initiative set up by the Homes and Communities Agency but unlike Help to Buy it worked in direct partnership with the housebuilders.  It aimed to make new homes affordable by providing a split in the deposit contribution.

The scheme itself has been replaced by Help to Buy where a full percentage of the deposit now comes from the Homes and Communities Agency but the principal of having a Home Buy Direct valuation follows the same guidelines as a Help to Buy valuation and is redeemed directly through Target.HCA.

When you come to repay your Home Buy Direct whether through re-mortgage, straight repayment or through house sale, you will repay the HCA and the housebuilders equity loan at the same time.  This process will be administered by Target but unfortunately there is a fee to pay of £250.00.

The Home Buy Direct valuation is provided on the same basis of the requirements from Target.HCA and the market value has to be determined by an RICS regulated and registered valuer.

As noted previously the scheme itself has been replaced by Help to Buy but we still carry out a number of Home Buy Direct valuations throughout the UK.  The redemption process follows the exact same lines as Help to Buy and further advice on the process can be found on our website.  If you wish to instruct us to carry out a Home Buy Direct valuation then please request a valuation accordingly.


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