Valuations
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Full redemption: if you sell your property, you will have to pay back all of your Help to Buy loan. The amount that needs to be repaid depends on the value of the property at that moment in time (as determined by an RICS Help to Buy valuation), or the agreed sale price (whichever is higher).
Staircasing: You will also need a Help to Buy valuation if you want to ‘staircase’. Staircasing is a process that allows you to partially repay your loan without selling the property, so that you increase the share that you own.
Help to Buy Redemption
Probate Valuations
Probate valuations are carried out when a property is being administered as part of a deceased person's estate. The valuation establishes the market value of the property, which is essential for probate purposes, including the distribution of assets to beneficiaries and calculating any applicable inheritance tax.
Matromonial
Matrimonial valuations are performed in the context of divorce or separation. They determine the market value of a property to assist in the equitable division of assets between spouses.
Capital Gains
Capital gains tax valuations are performed when a property is sold or transferred, triggering a potential tax liability on the profit gained. These valuations determine the market value of the property at the time of disposal to assess the capital gains tax liability accurately.
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Inheritance Tax
These valuations determine the market value of the property at the date of death of the deceased individual. They help calculate the inheritance tax liability and ensure compliance with tax regulations.