If you bought a home using the Help to Buy scheme, your loan is interest free for 5 years and the full loan amount must be repaid after 25 years.  Alternatively, you can choose to repay the loan sooner, normally when you sell your property.

When the time comes to sell, the amount you must pay back will be calculated based on the current market value of your home. not the original purchase price.  Miihaus offer an independent Help to Buy valuation from a RICS registered valuer that will determine the current market value of your property and, as such, the amount you must repay.

A valuation report may be required if you want to buy more shares or sell your home.  Most Housing Associations will require you to provide a valuation report carried out by a surveyor who is registered with the Royal Institution of Chartered Surveyors (RICS) rather than an estate agent’s valuation.

Miihaus offer a valuation report where a RICS Surveyor will visit your home before looking at what similar properties have sold for or are currently on the market for to work out the current market value of your home.  This provides comparable evidence to give you the confidence to know your home is correctly valued.