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Gareth Richards-Jones

Eleanor Richards-Jones

Phil Reynolds

Neil Chattington

Kay Morgan

Call us on 01685 378894

Snowdrops, catkins and blossom - the countryside i

Snowdrops, catkins and blossom - the countryside is definitely waking up and spring feels just around the corner.

Need a Help to Buy – Wales Valuation? We’re He

Need a Help to Buy – Wales Valuation? We’re Here to Help!

Registered RICS Valuers play a crucial role in the Help to Buy – Wales process. At Jones Battye, our experienced team understands the scheme inside out, ensuring you get an accurate valuation when selling, repaying your loan, or refinancing.

💡 How Does Help to Buy – Wales Work?
✅ Buy a new build home with just a 5% deposit
✅ Get a 20% government shared equity loan (interest-free for 5 years)
✅ Take out a 75% mortgage for the rest
✅ From year 6, interest applies to the government loan
✅ Repay in full or in part (‘staircasing’) at any time

Under the terms of the scheme, if there are any changes to the ownership of the property or to your existing financial arrangements, such as ‘staircasing’ for example, you must instruct an independent RICS Registered Valuer to carry out a valuation and provide a current Market Value of the property. This independent valuation can then be used to calculate the current value of the shared equity. It is worth noting that you may end up paying more than you originally borrowed if the value of the property increases. This is because the amount of the shared equity loan as a percentage of the value of the property fluctuates and the government will receive their fair share of the property value increase. This also prevents people from participating in the scheme simply to make money from government support.

Our professional and independent valuers have a wealth of local knowledge and experience, and regularly supply valuation reports for the Help to Buy – Wales scheme. So, if and when the time comes for you to sell, repay your loan or re-finance your existing arrangements we are here to provide an accurate market valuation report which follows all the requirements of the scheme. That way the government will get an accurate return on their investment and as the homeowner you will know exactly what your property is worth – crucial if you are thinking of selling or if you are coming to the end of your 5-year interest-free period.

📞 Need a valuation? Contact us today:
📍 Aberdare: 01695 378894
📍 Cardiff: 02920 625433
🌐 www.jonesbattye.com

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Where to find us

3 Victoria Square, Aberdare RCT CF44 7LA

Phone: 01685 378894

enquiries@jonesbattye.com

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