{"id":1034,"date":"2022-06-04T06:48:49","date_gmt":"2022-06-04T06:48:49","guid":{"rendered":"https:\/\/wordpress-1189395-4202774.cloudwaysapps.com\/?page_id=1034"},"modified":"2024-08-26T15:40:44","modified_gmt":"2024-08-26T15:40:44","slug":"help-to-buy","status":"publish","type":"page","link":"https:\/\/surveyhut.co.uk\/valuations\/help-to-buy\/","title":{"rendered":"Help to Buy"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1034\" class=\"elementor elementor-1034\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49c24da e-con-full e-flex e-con e-parent\" data-id=\"49c24da\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9acfdf3 e-con-full e-flex e-con e-child\" data-id=\"9acfdf3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d5d46c0 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"d5d46c0\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-house-user\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19abe2a e-con-full e-flex e-con e-child\" data-id=\"19abe2a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0cf4d38 elementor-widget elementor-widget-heading\" data-id=\"0cf4d38\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 15-07-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Help to Buy Valuations\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d0b0cf elementor-widget elementor-widget-text-editor\" data-id=\"6d0b0cf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 15-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><span style=\"font-weight: 400;\">When the time comes to settle your Help to Buy equity loan, having an accurate valuation of your home is key. To meet the requirements of Target HCA, the administrators of the equity loan scheme, your property must be valued by an<\/span><a href=\"https:\/\/surveyhut.co.uk\/about\/\"><span style=\"font-weight: 400;\"> RICS qualified surveyor<\/span><\/a><span style=\"font-weight: 400;\">. At Survey Hut, we ensure that our team of experienced valuers are well-versed in the<\/span><a href=\"https:\/\/surveyhut.co.uk\/survey-hut\/survey-huts-help-to-buy-scheme-guide\/\"> <span style=\"font-weight: 400;\">Help to Buy process<\/span><\/a><span style=\"font-weight: 400;\">, offering dedicated services in Greater Manchester, Cheshire, and Lancashire.<\/span><\/p><p><span style=\"font-weight: 400;\">Navigating the steps to<\/span><a href=\"https:\/\/surveyhut.co.uk\/valuation\/how-to-pay-off-help-to-buy\/\"> <span style=\"font-weight: 400;\">repay a Help to Buy loan<\/span><\/a><span style=\"font-weight: 400;\"> can seem daunting, particularly when it involves interest payments on the government\u2019s stake after the initial five-year interest-free period. Understanding that the loan repayment amount will reflect your property&#8217;s current market value rather than the original government contribution is important. It&#8217;s essential to choose a proficient surveyor who can provide a valuation report that fits the bill for Target HCA, saving you time and potential complications during the repayment or sale of your property.<\/span><\/p><p><span style=\"font-weight: 400;\">If you&#8217;re considering remortgaging, selling your home, or using your savings to pay off the loan, you&#8217;ll find that engaging with an RICS-registered surveyor early on can streamline the process. Our friendly team at Survey Hut is ready to answer any queries you have and can offer you tailor-made advice for your valuation needs. Rest assured, we&#8217;re here to support you every step of the way, from initial valuation to the<\/span><a href=\"https:\/\/surveyhut.co.uk\/level-2-or-3-home-survey\/the-process-of-buying-a-house\/\"> <span style=\"font-weight: 400;\">successful completion<\/span><\/a><span style=\"font-weight: 400;\"> of the Help to Buy equity loan repayment.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c1efc77 e-con-full e-flex e-con e-parent\" data-id=\"c1efc77\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-b2a120c e-con-full e-flex e-con e-child\" data-id=\"b2a120c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-90ae21c elementor-widget elementor-widget-heading\" data-id=\"90ae21c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Understanding Help to Buy Valuations\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-121d646 elementor-widget elementor-widget-text-editor\" data-id=\"121d646\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">When you&#8217;re ready to repay your Help to Buy equity loan, a valuation of your home is crucial. The valuation determines how much you repay based on your home&#8217;s<\/span><a href=\"https:\/\/surveyhut.co.uk\/valuation\/determine-the-value-of-my-house\/\"> <span style=\"font-weight: 400;\">current market value<\/span><\/a><span style=\"font-weight: 400;\">. Let&#8217;s explore what this entails.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cb3aafd e-con-full e-flex e-con e-parent\" data-id=\"cb3aafd\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9f23427 elementor-widget elementor-widget-accordion\" data-id=\"9f23427\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 15-07-2024 *\/\n.elementor-accordion{text-align:start}.elementor-accordion .elementor-accordion-item{border:1px solid #d5d8dc}.elementor-accordion .elementor-accordion-item+.elementor-accordion-item{border-top:none}.elementor-accordion .elementor-tab-title{margin:0;padding:15px 20px;font-weight:700;line-height:1;cursor:pointer;outline:none}.elementor-accordion .elementor-tab-title .elementor-accordion-icon{display:inline-block;width:1.5em}.elementor-accordion .elementor-tab-title .elementor-accordion-icon svg{width:1em;height:1em}.elementor-accordion .elementor-tab-title .elementor-accordion-icon.elementor-accordion-icon-right{float:right;text-align:right}.elementor-accordion .elementor-tab-title .elementor-accordion-icon.elementor-accordion-icon-left{float:left;text-align:left}.elementor-accordion .elementor-tab-title .elementor-accordion-icon .elementor-accordion-icon-closed{display:block}.elementor-accordion .elementor-tab-title .elementor-accordion-icon .elementor-accordion-icon-opened,.elementor-accordion .elementor-tab-title.elementor-active .elementor-accordion-icon-closed{display:none}.elementor-accordion .elementor-tab-title.elementor-active .elementor-accordion-icon-opened{display:block}.elementor-accordion .elementor-tab-content{display:none;padding:15px 20px;border-top:1px solid #d5d8dc}@media (max-width:767px){.elementor-accordion .elementor-tab-title{padding:12px 15px}.elementor-accordion .elementor-tab-title .elementor-accordion-icon{width:1.2em}.elementor-accordion .elementor-tab-content{padding:7px 15px}}.e-con-inner>.elementor-widget-accordion,.e-con>.elementor-widget-accordion{width:var(--container-widget-width);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1661\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1661\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Accordion Title<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1661\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1661\">Accordion Content<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1662\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1662\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What Is a Help to Buy Valuation?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1662\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1662\"><p><span style=\"font-weight: 400;\">A<\/span><a href=\"https:\/\/surveyhut.co.uk\/valuation\/what-is-a-residential-valuation\/\"> <span style=\"font-weight: 400;\">Help to Buy valuation<\/span><\/a><span style=\"font-weight: 400;\"> is an appraisal of your home&#8217;s value conducted by an RICS qualified surveyor. Its purpose is to assess the current market value of your property, which is essential in calculating the amount owed on your equity loan. The equity loan repayment reflects the property&#8217;s value at the time of repayment rather than its original purchase price, meaning if your home&#8217;s value has increased, so has your repayment amount.<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Steps for a Valid Valuation:<\/b><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Instruct a surveyor who is both RICS qualified and a <\/span><a href=\"https:\/\/surveyhut.co.uk\/valuations\/\"><span style=\"font-weight: 400;\">registered valuer<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Ensure the valuation meets Target HCA&#8217;s requirements.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Use the valuation report, valid for three months, to initiate repayment.<\/span><\/li><\/ul><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1663\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1663\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Importance of RICS Guidelines<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1663\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1663\"><p><span style=\"font-weight: 400;\">Following<\/span><a href=\"https:\/\/surveyhut.co.uk\/level-2-or-3-home-survey\/what-is-a-house-survey-in-the-uk\/\"> <span style=\"font-weight: 400;\">RICS guidelines<\/span><\/a><span style=\"font-weight: 400;\"> for your Help to Buy Valuation is not just important; it\u2019s a requirement. RICS, or the <\/span><a href=\"https:\/\/www.rics.org\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Royal Institution of Chartered Surveyors<\/span><\/a><span style=\"font-weight: 400;\">, sets the standard for property valuations to ensure fairness and accuracy. RICS surveyors uphold these professional guidelines to provide valuations that lending institutions, such as the government&#8217;s loan administrator Target HCA, can trust.<\/span><\/p><p><b>Why RICS Guidelines Matter:<\/b><\/p><ul><li style=\"list-style-type: none;\"><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">They ensure a consistent and reliable valuation process.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Valuations are recognised and accepted by mortgage lenders and government bodies.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Using an RICS surveyor mitigates legal and financial risks during the loan repayment process.<\/span><p>\u00a0<\/p><\/li><\/ul><\/li><\/ul><p><span style=\"font-weight: 400;\">Remember, the market value ascertained by the RICS valuation will determine how much you repay on your equity loan when you sell your property or choose to pay off the loan. Choosing the right surveyor \u2013 one who is RICS qualified \u2013 is a key step in this process. At Survey Hut, we offer these services across multiple locations, providing <\/span><a href=\"https:\/\/surveyhut.co.uk\/insight\/\"><span style=\"font-weight: 400;\">the professional guidance you need<\/span><\/a><span style=\"font-weight: 400;\"> to navigate your Help to Buy valuation with confidence.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Accordion Title\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Accordion Content\"}},{\"@type\":\"Question\",\"name\":\"What Is a Help to Buy Valuation?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><span style=\\\"font-weight: 400;\\\">A<\\\/span><a href=\\\"https:\\\/\\\/surveyhut.co.uk\\\/valuation\\\/what-is-a-residential-valuation\\\/\\\"> <span style=\\\"font-weight: 400;\\\">Help to Buy valuation<\\\/span><\\\/a><span style=\\\"font-weight: 400;\\\"> is an appraisal of your home&#8217;s value conducted by an RICS qualified surveyor. Its purpose is to assess the current market value of your property, which is essential in calculating the amount owed on your equity loan. The equity loan repayment reflects the property&#8217;s value at the time of repayment rather than its original purchase price, meaning if your home&#8217;s value has increased, so has your repayment amount.<\\\/span><\\\/p><ul><li style=\\\"font-weight: 400;\\\" aria-level=\\\"1\\\"><b>Steps for a Valid Valuation:<\\\/b><ul><li style=\\\"font-weight: 400;\\\" aria-level=\\\"2\\\"><span style=\\\"font-weight: 400;\\\">Instruct a surveyor who is both RICS qualified and a <\\\/span><a href=\\\"https:\\\/\\\/surveyhut.co.uk\\\/valuations\\\/\\\"><span style=\\\"font-weight: 400;\\\">registered valuer<\\\/span><\\\/a><span style=\\\"font-weight: 400;\\\">.<\\\/span><\\\/li><li style=\\\"font-weight: 400;\\\" aria-level=\\\"2\\\"><span style=\\\"font-weight: 400;\\\">Ensure the valuation meets Target HCA&#8217;s requirements.<\\\/span><\\\/li><li style=\\\"font-weight: 400;\\\" aria-level=\\\"2\\\"><span style=\\\"font-weight: 400;\\\">Use the valuation report, valid for three months, to initiate repayment.<\\\/span><\\\/li><\\\/ul><\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"Importance of RICS Guidelines\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><span style=\\\"font-weight: 400;\\\">Following<\\\/span><a href=\\\"https:\\\/\\\/surveyhut.co.uk\\\/level-2-or-3-home-survey\\\/what-is-a-house-survey-in-the-uk\\\/\\\"> <span style=\\\"font-weight: 400;\\\">RICS guidelines<\\\/span><\\\/a><span style=\\\"font-weight: 400;\\\"> for your Help to Buy Valuation is not just important; it\\u2019s a requirement. RICS, or the <\\\/span><a href=\\\"https:\\\/\\\/www.rics.org\\\/\\\"><span style=\\\"font-weight: 400;\\\">Royal Institution of Chartered Surveyors<\\\/span><\\\/a><span style=\\\"font-weight: 400;\\\">, sets the standard for property valuations to ensure fairness and accuracy. RICS surveyors uphold these professional guidelines to provide valuations that lending institutions, such as the government&#8217;s loan administrator Target HCA, can trust.<\\\/span><\\\/p><p><b>Why RICS Guidelines Matter:<\\\/b><\\\/p><ul><li style=\\\"list-style-type: none;\\\"><ul><li style=\\\"font-weight: 400;\\\" aria-level=\\\"2\\\"><span style=\\\"font-weight: 400;\\\">They ensure a consistent and reliable valuation process.<\\\/span><\\\/li><li style=\\\"font-weight: 400;\\\" aria-level=\\\"2\\\"><span style=\\\"font-weight: 400;\\\">Valuations are recognised and accepted by mortgage lenders and government bodies.<\\\/span><\\\/li><li style=\\\"font-weight: 400;\\\" aria-level=\\\"2\\\"><span style=\\\"font-weight: 400;\\\">Using an RICS surveyor mitigates legal and financial risks during the loan repayment process.<\\\/span><p>\\u00a0<\\\/p><\\\/li><\\\/ul><\\\/li><\\\/ul><p><span style=\\\"font-weight: 400;\\\">Remember, the market value ascertained by the RICS valuation will determine how much you repay on your equity loan when you sell your property or choose to pay off the loan. Choosing the right surveyor \\u2013 one who is RICS qualified \\u2013 is a key step in this process. At Survey Hut, we offer these services across multiple locations, providing <\\\/span><a href=\\\"https:\\\/\\\/surveyhut.co.uk\\\/insight\\\/\\\"><span style=\\\"font-weight: 400;\\\">the professional guidance you need<\\\/span><\\\/a><span style=\\\"font-weight: 400;\\\"> to navigate your Help to Buy valuation with confidence.<\\\/span><\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ac7ce98 e-flex e-con-boxed e-con e-parent\" data-id=\"ac7ce98\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8b07171 e-con-full e-flex e-con e-child\" data-id=\"8b07171\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d71e99e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d71e99e\" data-element_type=\"widget\" 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.elementor-divider__element{margin-inline-end:0}.elementor-widget-divider:not(.elementor-widget-divider--view-line_text):not(.elementor-widget-divider--view-line_icon) .elementor-divider-separator{border-block-start:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--separator-type-pattern{--divider-border-style:none}.elementor-widget-divider--separator-type-pattern.elementor-widget-divider--view-line .elementor-divider-separator,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:after,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:before,.elementor-widget-divider--separator-type-pattern:not([class*=elementor-widget-divider--view]) .elementor-divider-separator{width:100%;min-height:var(--divider-pattern-height);-webkit-mask-size:var(--divider-pattern-size) 100%;mask-size:var(--divider-pattern-size) 100%;-webkit-mask-repeat:var(--divider-pattern-repeat);mask-repeat:var(--divider-pattern-repeat);background-color:var(--divider-color);-webkit-mask-image:var(--divider-pattern-url);mask-image:var(--divider-pattern-url)}.elementor-widget-divider--no-spacing{--divider-pattern-size:auto}.elementor-widget-divider--bg-round{--divider-pattern-repeat:round}.rtl .elementor-widget-divider .elementor-divider__text{direction:rtl}.e-con-inner>.elementor-widget-divider,.e-con>.elementor-widget-divider{width:var(--container-widget-width,100%);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7102094 e-con-full e-flex e-con e-parent\" data-id=\"7102094\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-e693cd3 e-con-full e-flex e-con e-child\" data-id=\"e693cd3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c64cdea elementor-widget elementor-widget-heading\" data-id=\"c64cdea\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Valuation Process Explained\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4d5bd0 elementor-widget elementor-widget-text-editor\" data-id=\"a4d5bd0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">When you&#8217;re ready to settle your Help to Buy equity loan, understanding the<\/span><a href=\"https:\/\/surveyhut.co.uk\/valuations\/\"> <span style=\"font-weight: 400;\">valuation process<\/span><\/a><span style=\"font-weight: 400;\"> is crucial. It&#8217;s important to know how the value of your property will be assessed by a qualified surveyor and how this figure affects your repayment.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ed6c6c elementor-tabs-view-vertical elementor-widget elementor-widget-tabs\" data-id=\"8ed6c6c\" data-element_type=\"widget\" data-widget_type=\"tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 15-07-2024 *\/\n.elementor-widget-tabs.elementor-tabs-view-vertical .elementor-tabs-wrapper{width:25%;flex-shrink:0}.elementor-widget-tabs.elementor-tabs-view-vertical .elementor-tab-desktop-title.elementor-active{border-inline-end-style:none}.elementor-widget-tabs.elementor-tabs-view-vertical .elementor-tab-desktop-title.elementor-active:after,.elementor-widget-tabs.elementor-tabs-view-vertical 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.elementor-tab-desktop-title.elementor-active:before{right:100%}.elementor-widget-tabs.elementor-tabs-view-horizontal .elementor-tab-desktop-title.elementor-active:after{left:100%}.elementor-widget-tabs .elementor-tab-content,.elementor-widget-tabs .elementor-tab-title,.elementor-widget-tabs .elementor-tab-title:after,.elementor-widget-tabs .elementor-tab-title:before,.elementor-widget-tabs .elementor-tabs-content-wrapper{border:1px #d5d8dc}.elementor-widget-tabs .elementor-tabs{text-align:start}.elementor-widget-tabs .elementor-tabs-wrapper{overflow:hidden}.elementor-widget-tabs .elementor-tab-title{cursor:pointer;outline:var(--focus-outline,none)}.elementor-widget-tabs .elementor-tab-desktop-title{position:relative;padding:20px 25px;font-weight:700;line-height:1;border:solid transparent}.elementor-widget-tabs .elementor-tab-desktop-title.elementor-active{border-color:#d5d8dc}.elementor-widget-tabs .elementor-tab-desktop-title.elementor-active:after,.elementor-widget-tabs .elementor-tab-desktop-title.elementor-active:before{display:block;content:\"\";position:absolute}.elementor-widget-tabs .elementor-tab-desktop-title:focus-visible{border:1px solid #000}.elementor-widget-tabs .elementor-tab-mobile-title{padding:10px;cursor:pointer}.elementor-widget-tabs .elementor-tab-content{padding:20px;display:none}@media (max-width:767px){.elementor-tabs .elementor-tab-content,.elementor-tabs .elementor-tab-title{border-style:solid solid none}.elementor-tabs .elementor-tabs-wrapper{display:none}.elementor-tabs .elementor-tabs-content-wrapper{border-bottom-style:solid}.elementor-tabs .elementor-tab-content{padding:10px}}@media (min-width:768px){.elementor-widget-tabs.elementor-tabs-view-vertical .elementor-tabs{display:flex}.elementor-widget-tabs.elementor-tabs-view-vertical .elementor-tabs-wrapper{flex-direction:column}.elementor-widget-tabs.elementor-tabs-view-vertical .elementor-tabs-content-wrapper{flex-grow:1;border-style:solid solid solid none}.elementor-widget-tabs.elementor-tabs-view-horizontal .elementor-tab-content{border-style:none solid solid}.elementor-widget-tabs.elementor-tabs-alignment-center .elementor-tabs-wrapper,.elementor-widget-tabs.elementor-tabs-alignment-end .elementor-tabs-wrapper,.elementor-widget-tabs.elementor-tabs-alignment-stretch .elementor-tabs-wrapper{display:flex}.elementor-widget-tabs.elementor-tabs-alignment-center .elementor-tabs-wrapper{justify-content:center}.elementor-widget-tabs.elementor-tabs-alignment-end .elementor-tabs-wrapper{justify-content:flex-end}.elementor-widget-tabs.elementor-tabs-alignment-stretch.elementor-tabs-view-horizontal .elementor-tab-title{width:100%}.elementor-widget-tabs.elementor-tabs-alignment-stretch.elementor-tabs-view-vertical .elementor-tab-title{height:100%}.elementor-tabs .elementor-tab-mobile-title{display:none}}<\/style>\t\t<div class=\"elementor-tabs\">\n\t\t\t<div class=\"elementor-tabs-wrapper\" role=\"tablist\" >\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1491\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-1491\" aria-expanded=\"false\">1. Contact a Qualified Valuer<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1492\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1492\" aria-expanded=\"false\">2. Arrange an Inspection<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1493\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1493\" aria-expanded=\"false\">3. Review Comparable Properties<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1494\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1494\" aria-expanded=\"false\">4. Compilation of the Valuation Report<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1495\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1495\" aria-expanded=\"false\">5. Valuation Validity<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"elementor-tabs-content-wrapper\" role=\"tablist\" aria-orientation=\"vertical\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-1491\" aria-expanded=\"false\">1. Contact a Qualified Valuer<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1491\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1491\" tabindex=\"0\" hidden=\"false\"><p><span style=\"font-weight: 400;\">Engage a surveyor who is RICS qualified and registered (Survey Hut). Only professionals like us can provide a valuation report that meets the specific needs of the Target HCA and the Help to Buy scheme.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1492\" aria-expanded=\"false\">2. Arrange an Inspection<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1492\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1492\" tabindex=\"0\" hidden=\"hidden\"><p><span style=\"font-weight: 400;\">Your surveyor will schedule a visit to perform a detailed inspection of your property. They&#8217;ll assess its condition, size, features, and improvements you may have made.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1493\" aria-expanded=\"false\">3. Review Comparable Properties<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1493\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1493\" tabindex=\"0\" hidden=\"hidden\"><p><span style=\"font-weight: 400;\">We will examine similar properties in your area to determine the current market value. This ensures your home is valued fairly against recent sales.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1494\" aria-expanded=\"false\">4. Compilation of the Valuation Report<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1494\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1494\" tabindex=\"0\" hidden=\"hidden\"><p><span style=\"font-weight: 400;\">After thorough analysis, we compile a detailed report, which includes the inspection findings and comparisons to recently sold homes.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1495\" aria-expanded=\"false\">5. Valuation Validity<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1495\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1495\" tabindex=\"0\" hidden=\"hidden\"><p><span style=\"font-weight: 400;\">Your report will be valid for three months. If the sale or remortgaging exceeds this period, an extension can be granted with an updated desktop valuation report.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b4c66b elementor-widget elementor-widget-heading\" data-id=\"4b4c66b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Interpreting the Valuation Report\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86b687e elementor-tabs-view-vertical elementor-widget elementor-widget-tabs\" data-id=\"86b687e\" data-element_type=\"widget\" data-widget_type=\"tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-tabs\">\n\t\t\t<div class=\"elementor-tabs-wrapper\" role=\"tablist\" >\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1411\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-1411\" aria-expanded=\"false\">1. Understanding Property Value<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1412\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1412\" aria-expanded=\"false\">2. Reading the Report<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1413\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1413\" aria-expanded=\"false\">3. Submission to Target HCA<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1414\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1414\" aria-expanded=\"false\">4. Equity Loan Repayment<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1415\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1415\" aria-expanded=\"false\">5. Next steps post-report<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"elementor-tabs-content-wrapper\" role=\"tablist\" aria-orientation=\"vertical\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-1411\" aria-expanded=\"false\">1. Understanding Property Value<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1411\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1411\" tabindex=\"0\" hidden=\"false\"><p><span style=\"font-weight: 400;\">The report determines the <\/span><a href=\"https:\/\/surveyhut.co.uk\/level-2-or-3-home-survey\/house-survey-mortgage\/\"><span style=\"font-weight: 400;\">current market value of your home<\/span><\/a><span style=\"font-weight: 400;\">, which is key in calculating how much you need to repay to settle the Help to Buy equity loan.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1412\" aria-expanded=\"false\">2. Reading the Report<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1412\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1412\" tabindex=\"0\" hidden=\"hidden\"><p><span style=\"font-weight: 400;\">It will contain a breakdown of how the valuation was reached and provide you with the necessary figures to proceed with your conveyancing solicitor.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1413\" aria-expanded=\"false\">3. Submission to Target HCA<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1413\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1413\" tabindex=\"0\" hidden=\"hidden\"><p><span style=\"font-weight: 400;\">Submit the valuation report alongside your application form to the Target HCA for processing the repayment of your equity loan.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1414\" aria-expanded=\"false\">4. Equity Loan Repayment<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1414\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1414\" tabindex=\"0\" hidden=\"hidden\"><p><span style=\"font-weight: 400;\">With this report, you&#8217;ll understand the percentage of the equity loan to be repaid, based on the current value of your property, not its value at the time of purchase.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1415\" aria-expanded=\"false\">5. Next steps post-report<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1415\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1415\" tabindex=\"0\" hidden=\"hidden\"><p><span style=\"font-weight: 400;\">Once interpreted, work with your conveyancing solicitor to ensure all legal formalities are completed effectively, paving the way towards settling your equity loan.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e170b7d e-flex e-con-boxed e-con e-parent\" data-id=\"e170b7d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-822a807 e-con-full e-flex e-con e-child\" data-id=\"822a807\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-89cab9d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"89cab9d\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8d0c688 e-con-full e-flex e-con e-parent\" data-id=\"8d0c688\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-83adf77 e-con-full e-flex e-con e-child\" data-id=\"83adf77\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8e09b90 elementor-widget elementor-widget-heading\" data-id=\"8e09b90\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Repaying the Help to Buy Equity Loan<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9926292 elementor-widget elementor-widget-text-editor\" data-id=\"9926292\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">To settle your Help to Buy equity loan, an RICS qualified valuer must ascertain your home&#8217;s current market value. If your property has appreciated, you will repay more than the original loan amount, as the repayable amount is the corresponding percentage of your home&#8217;s current value, not the initial equity loan value. Here\u2019s what you need to know:<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6546f8e elementor-tabs-view-vertical elementor-widget elementor-widget-tabs\" data-id=\"6546f8e\" data-element_type=\"widget\" data-widget_type=\"tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-tabs\">\n\t\t\t<div class=\"elementor-tabs-wrapper\" role=\"tablist\" >\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1061\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-1061\" aria-expanded=\"false\">Valuation Period<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1062\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1062\" aria-expanded=\"false\">Conveyancing solicitor<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1063\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1063\" aria-expanded=\"false\">Administration fee<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1064\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1064\" aria-expanded=\"false\">Completing the process<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"elementor-tabs-content-wrapper\" role=\"tablist\" aria-orientation=\"vertical\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-1061\" aria-expanded=\"false\">Valuation Period<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1061\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1061\" tabindex=\"0\" hidden=\"false\"><p><span style=\"font-weight: 400;\">Valuations are valid for three months, with a possible four-month extension.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1062\" aria-expanded=\"false\">Conveyancing solicitor<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1062\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1062\" tabindex=\"0\" hidden=\"hidden\"><p><span style=\"font-weight: 400;\">A legal expert will guide you through the repayment process.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1063\" aria-expanded=\"false\">Administration fee<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1063\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1063\" tabindex=\"0\" hidden=\"hidden\"><p><span style=\"font-weight: 400;\">A fee of \u00a3200 is payable for the administration of your loan repayment.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1064\" aria-expanded=\"false\">Completing the process<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1064\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1064\" tabindex=\"0\" hidden=\"hidden\"><p><span style=\"font-weight: 400;\">Ensure to submit the valuation report, application form, administration fee, and memorandum of sale to proceed.<\/span><\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73310b1 elementor-widget elementor-widget-heading\" data-id=\"73310b1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Implications for Remortgaging and Selling\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42c6447 elementor-widget elementor-widget-text-editor\" data-id=\"42c6447\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">When you&#8217;re ready to remortgage or sell your home, consider how the Help to Buy equity loan impacts these transactions. The steps are:<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2b1e96 elementor-tabs-view-vertical elementor-widget elementor-widget-tabs\" data-id=\"a2b1e96\" data-element_type=\"widget\" data-widget_type=\"tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-tabs\">\n\t\t\t<div class=\"elementor-tabs-wrapper\" role=\"tablist\" >\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1701\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-1701\" aria-expanded=\"false\">Remortgaging<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1702\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1702\" aria-expanded=\"false\">Selling<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"elementor-tabs-content-wrapper\" role=\"tablist\" aria-orientation=\"vertical\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-1701\" aria-expanded=\"false\">Remortgaging<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1701\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1701\" tabindex=\"0\" hidden=\"false\"><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">You can use remortgaging to raise funds for repaying your Help to Buy loan.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Be mindful that lenders will account for the equity loan when calculating how much they&#8217;re willing to lend.<\/span><\/li><\/ul><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1702\" aria-expanded=\"false\">Selling<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1702\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1702\" tabindex=\"0\" hidden=\"hidden\"><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">On selling your property, the equity loan must be repaid from the sale proceeds.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">This repayment is a percentage of the sale price equivalent to the initial equity stake.<\/span><\/li><\/ul><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-714fb3d e-flex e-con-boxed e-con e-parent\" data-id=\"714fb3d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9071a73 e-con-full e-flex e-con e-child\" data-id=\"9071a73\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e526e60 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e526e60\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-24dc365 e-con-full e-flex e-con e-parent\" data-id=\"24dc365\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5fe7b02 elementor-widget elementor-widget-heading\" data-id=\"5fe7b02\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-355d710 elementor-widget elementor-widget-accordion\" data-id=\"355d710\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5591\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-5591\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Why Would I Want to Pay it Off?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-5591\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-5591\"><p class=\"has-text-align-center\" style=\"text-align: left;\">After five years, interest is payable on the government\u2019s Help to Buy equity stake, in addition to your normal mortgage payment.<\/p>\n<p class=\"has-text-align-center\" style=\"text-align: left;\">The equity stake you pay back is based on the value of the property at the time of the repayment, not what the government initially put in. This means that if the property increases in value, you will not receive all of the worth &#8211; the government shares it with you.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5592\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-5592\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Who Looks After Help to Buy?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-5592\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-5592\"><p class=\"has-text-align-center\" style=\"text-align: left;\">The administrator of the government\u2019s equity stake is Target HCA.<\/p>\n<p class=\"has-text-align-center\" style=\"text-align: left;\">They can be emailed at <a href=\"mailto:target.hca@targetgroup.com\">target.hca@targetgroup.com<\/a><\/p>\n<p class=\"has-text-align-center\" style=\"text-align: left;\">Or, written to at: Target HCA, PO Box 911, Newport, NP20 9PA<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5593\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-5593\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How Can I Pay it Off?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-5593\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-5593\"><p class=\"has-text-align-center\" style=\"text-align: left;\">There are three ways to pay off the Help to Buy equity loan:<\/p>\n<ol>\n<li style=\"text-align: left;\"><strong><span style=\"color: #000000;\">Using your own money<\/span><\/strong><\/li>\n<li style=\"text-align: left;\"><strong><span style=\"color: #000000;\">When remortgaging the property<\/span><\/strong><\/li>\n<li style=\"text-align: left;\"><strong><span style=\"color: #000000;\">When selling your home<\/span><\/strong><\/li>\n<\/ol><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5594\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-5594\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">When Should I Start the Process If I\u2019m Selling My Home?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-5594\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-5594\"><p class=\"has-text-align-center\" style=\"text-align: left;\">You should start the process when you receive an offer for your property, or are close to confirming the sale.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5595\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-5595\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What\u2019s the First Thing I Should Do?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-5595\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-5595\"><p class=\"has-text-align-center\" style=\"text-align: left;\">Instruct a surveyor who is both RICS qualified and a registered valuer to value your property.<\/p>\n<p class=\"has-text-align-center\" style=\"text-align: left;\">The valuation report should be compliant with Target HCA\u2019s requirements &#8211; an experienced surveyor will know what is required.<\/p>\n<p class=\"has-text-align-center\" style=\"text-align: left;\">The valuation will last for three months to allow the process to conclude. If it takes over three months, the surveying firm can extend it by up to 4 months by issuing a letter and undertaking a desktop valuation report.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5596\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-5596\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Do I Need Any Other Help?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-5596\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-5596\"><p class=\"has-text-align-center\" style=\"text-align: left;\">You will need a conveyancing solicitor to help you with the process.<\/p>\n<p class=\"has-text-align-center\" style=\"text-align: left;\">To find a solicitor, look at the Law Society <a href=\"https:\/\/solicitors.lawsociety.org.uk\/\" target=\"_blank\" rel=\"noopener\">website<\/a>.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5597\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-5597\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Are There Any Other Costs?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-5597\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-5597\"><p style=\"text-align: left;\">An administration fee of \u00a3200 is payable to Target HCA.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5598\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-5598\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Do I Need to Fill in an Application Form?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-5598\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-5598\"><p class=\"has-text-align-center\" style=\"text-align: left;\">An application form will need to be completed.<\/p>\n<p class=\"has-text-align-center\" style=\"text-align: left;\">You can find the application form <a href=\"https:\/\/view.officeapps.live.com\/op\/view.aspx?src=https%3A%2F%2Fassets.publishing.service.gov.uk%2Fgovernment%2Fuploads%2Fsystem%2Fuploads%2Fattachment_data%2Ffile%2F976023%2FRepayment_application_form_..odt&amp;wdOrigin=BROWSELINK\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5599\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-5599\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How Will I Know How Much I Have to Pay Back?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-5599\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-5599\"><p class=\"has-text-align-center\" style=\"text-align: left;\">You will need to send the administrator the:<\/p>\n<ol style=\"text-align: left;\">\n<li><strong><span style=\"color: #000000;\">RICS valuation report<\/span><\/strong><\/li>\n<li><strong><span style=\"color: #000000;\">Completed application form<\/span><\/strong><\/li>\n<li><strong><span style=\"color: #000000;\">Administration fee<\/span><\/strong><\/li>\n<li><strong><span style=\"color: #000000;\">Copy of the memorandum of sale from the estate agent, if you are selling your home.<\/span><\/strong><\/li>\n<\/ol>\n<div class=\"wp-block-spacer\" style=\"text-align: left;\" aria-hidden=\"true\">\u00a0<\/div>\n<p class=\"has-text-align-center\" style=\"text-align: left;\">Once the above are received by the administrator, a redemption letter will be issued, confirming the percentage of equity loan you took out and how much the repayments will be.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-55910\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-55910\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How Does the Process End?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-55910\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-55910\"><p class=\"has-text-align-center\" style=\"text-align: left;\">There are a number of legal actions your solicitor and the administrator will need to perform to complete the process.<\/p>\n<p class=\"has-text-align-center\" style=\"text-align: left;\">These include a Legal Undertaking Agreement being drafted by your solicitor, an Authority to Complete form being issued by the administrator to allow the sale or repayment process to complete, and payment of the outstanding funds. If you fully repay the equity loan, the administrator will apply to the Land Registry to remove the charge on your property.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>To pay off the government&#8217;s Help to Buy equity loan, an RICS qualified and registered valuer will need to value your home.<\/p>\n","protected":false},"author":1,"featured_media":4282,"parent":63,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"rank_math_lock_modified_date":false,"footnotes":""},"class_list":["post-1034","page","type-page","status-publish","has-post-thumbnail","hentry"],"rankMath":{"parentDomain":"surveyhut.co.uk","noFollowDomains":[],"noFollowExcludeDomains":[],"noFollowExternalLinks":false,"featuredImageNotice":"The featured image should be at least 200 by 200 pixels to be picked up by Facebook and 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