Professional, independent valuations prepared in accordance with RICS standards.

RICS Valuations

“Delivering accurate, reliable RICS Valuations you can trust for property purchasing, sales, Help to Buy, shared ownership and probate.”

Smiling individual in black jacket with Navah logo standing against brick wall, showing RICS regulation and 4.9 Google rating.

What is an RICS Valuation?

An RICS valuation provides an independent and professional assessment of a property’s value, undertaken by an RICS Registered Valuer with MRICS or AssocRICS status, in accordance with the RICS Valuation – Global Standards (the Red Book).

Navah Consulting provides valuation advice and reporting for a wide range of purposes, including:

  • Help to Buy loan redemption (Homes England and Target HCA)

  • Shared ownership staircasing and sales

  • Probate

  • Estate planning and trusts

  • Taxation

  • Accounting and financial reporting

Please note that we do not provide valuations for matrimonial purposes or disputes.

RICS logo with a lion's head silhouette and the text 'Registered Valuer' below.
  • Icon of a house with a downward arrow and a British pound (£) symbol, representing housing cost decrease or property value decline.

    Help to Buy loan redemption (Homes England and Target HCA)

    Help to Buy valuations are required for equity loan redemption, including where the loan is being paid off in full or in part, and are required to be commissioned directly by the homeowner through RICS-Registered Valuers. Our valuations meet the requirements of Homes England and Target HCA and are provided in the correct format for submission as part of the redemption or remortgaging process.

  • Illustration of two houses with upward arrows indicating rising property value or real estate market growth.

    Shared Ownership Staircasing and Sales

    Shared Ownership valuations are required when a leaseholder is buying additional shares or selling their interest in a Shared Ownership property and needs to be commissioned by the homeowner through an independent RICS-Registered Valuer. The valuation reflects the full open market value of the property and is prepared in a format suitable for submission to the relevant housing association or scheme administrator.

  • A digital icon showing a document with legal scales, accompanied by a pencil, symbolizing legal or regulatory documentation.

    Probate and Inheritance Tax (IHT)

    Probate valuations are required to establish the open market value of a property at the date of death and are typically instructed by executors or personal representatives. Our valuations are carried out by RICS-Registered Valuers and are suitable for submission to HMRC for probate and inheritance tax purposes.

  • Icon of a tree next to a folder with papers inside.

    Estate Planning and Trusts

    Estate planning and trust valuations are required to establish the open market value of a property for inheritance planning, trust administration, or asset transfers. Our valuations are prepared by RICS-Registered Valuers and are suitable for use by solicitors, trustees, and other professional advisers.

  • Icon of a piggy bank with a British pound symbol, a calculator, and a coin, representing financial savings or budgeting.

    Taxation

    Taxation valuations are required to establish the open market value of a property for capital gains tax, inheritance tax, or other tax-related matters. Our valuations are prepared by RICS-registered valuers and are suitable for submission to HMRC and for use by accountants and professional advisers.

  • Accounting and Financial Reporting

    Accounting and financial reporting valuations are required to establish the fair market value of a property for company accounts, financial statements, or audit purposes. Our valuations are prepared by an RICS-Registered Valuers and are suitable for use by accountants, auditors, and other professional advisers.

Our Approach

  • Step 1 - Client Consultation

    Every valuation starts with a clear discussion to understand why the valuation is required and how it will be used. This ensures the advice we provide is appropriate, compliant, and fit for purpose.

    At this stage we will:

    - Confirm the purpose of the valuation (for example Help to Buy redemption, Shared Ownership staircasing, probate, estate planning, taxation, or accounting purposes)

    - Establish the valuation basis and any specific, HMRC, Homes England, or professional requirements

    - Confirm whether a full inspection is required or whether a desktop valuation is appropriate

    Agree timescales, scope, and any supporting information needed in advance.

    This upfront clarity helps avoid delays and ensures the valuation meets the requirements of all relevant parties from the outset.

  • Step 2 - On-Site Inspection

    Where a physical inspection is necessary, a suitably qualified RICS Registered Valuer will attend the property.

    The inspection will include:

    - Confirmation of the property’s accommodation, layout, and overall condition.

    - Consideration of factors that may influence value, such as location, specification, alterations, and market appeal

    - Identification of any visible defects or issues that may impact value or marketability

    For certain instructions, such as some Help to Buy loan redemptions or Shared Ownership valuations, a desktop valuation may be acceptable where a previous inspection has been undertaken. In these cases, we rely on market evidence, plans, and available data rather than an internal inspection, in line with scheme requirements.

  • Step 3 - Detailed Reporting

    Following the inspection or desktop review, we prepare a clear and compliant valuation report in accordance with the RICS Valuation – Global Standards (Red Book).

    The report will:

    - Confirm the valuation basis, assumptions, and scope of work

    - Set out our assessment of market value, supported by relevant comparable evidence

    - Explain the reasoning behind the valuation in clear, straightforward language

    - Highlight any assumptions, limitations, or matters that may require legal confirmation

    Our focus is on producing reports that are technically robust, easy to follow, and suitable for submission to lenders, Homes England, housing associations, accountants, or solicitors.

  • Step 4 - Support and Advice

    Our involvement doesn’t end when the report is issued. We remain available to support you and any professional advisers involved in the transaction.

    This can include:

    - Discussing the valuation findings and methodology in plain English

    - Responding to queries from solicitors, housing associations, accountants, or scheme administrators

    - Providing clarification or supplementary information where required

    - Assisting with follow-up valuations, updated reports, or re-issues if circumstances change

    Whether the valuation is part of a wider transaction or a standalone requirement, our aim is to ensure the process is smooth, transparent, and stress-free.

Why choose Navah Consulting?

  • Expertise you can trust

    Our RICS-qualified surveyors have extensive experience with a broad range of property types and their associated defects.

  • Clear, actionable insights

    Our reports are clear, jargon-free and easy to follow, giving you the information you need to act confidently.

  • Tailored solutions

    Every property is unique, and so is our approach. We adapt to your specific concerns and goals.

Frequently Asked Questions

If you have any questions, our FAQs may assist, or you are welcome to contact us directly using our contact form below or by calling 01279 755486.

  • A RICS Valuation is an independent assessment of a property’s market value prepared by a qualified RICS Registered Valuer in accordance with the Royal Institution of Chartered Surveyors Valuation – Global Standards (Red Book).

    It provides a formal, evidence-based opinion of value that can be relied upon by lenders, solicitors, HMRC, housing associations and other professional bodies.

  • All valuations are undertaken by an RICS Registered Valuer holding MRICS or AssocRICS status. This means the valuation is regulated, independently assessed, and fully compliant with RICS professional standards.

  • A valuation focuses on determining the property’s market value.

    A survey (such as a RICS Home Survey Level 2 or Level 3) assesses the condition of the property and highlights defects, risks and maintenance issues.

    While condition may influence value, a valuation report does not provide the same depth of defect analysis as a survey.

  • A Help to Buy valuation is required when:

    • Repaying your equity loan (in full or in part)

    • Remortgaging

    • Selling the property

    These valuations must be commissioned directly by the homeowner and prepared by an independent RICS Registered Valuer in the format required by Homes England or Target.

  • Help to Buy valuations are typically valid for 3 months from the date of inspection.

    If the valuation expires before the transaction completes, an updated or refreshed valuation may be required.

  • A Shared Ownership valuation establishes the full open market value of the property when:

    • Buying additional shares (staircasing)

    • Selling your share

    The valuation must be independent and compliant with housing association requirements.

  • Yes.

    Probate valuations establish the open market value of a property at the date of death and are typically required for submission to HMRC as part of inheritance tax reporting.

    We regularly act for executors, solicitors and families across Hertfordshire and Essex in these circumstances.

  • Yes.

    For probate, Capital Gains Tax or other tax matters, we can provide valuations based on a historical date. This is supported by comparable market evidence from that specific time period.

  • Fees depend on:

    • Property type and size

    • Location

    • Purpose of valuation

    • Whether inspection or desktop

    We provide clear, fixed quotations upfront, no hidden extras.