Your FAQs


FAQs

No. Valuations for the majority of our schemes need to be independent from the property. This means we cannot use the valuation from the lender, buyer or estate agent dealing with your sale.
If you're on a low income or out of work you may be able to claim benefits and get some help with your mortgage interest payments. Use .GOV online Benefits advice, speak to an advice agency or contact your local Jobcentre Plus office.
Yes. All of our transactions, which include the transfer of funds, require you to use and instruct a solicitor.
For Homebuy Direct, FirstBuy, Help to Buy, London Wide Initiative, First Time Buyers Initiative and Armed Forces Home Ownership Scheme – your RICS valuation is valid for up to 3 months from the date of inspection.
If you do not pay the fee, we have clear responsibilities under the terms of your buyers' charging document and mortgage deed to get back the fees you owe. We will contact you regarding any payment you have missed or a failed direct debit. We will be unable to complete any processes, for example redemption, until the outstanding fees are paid.
If your valuation report expires before your solicitor has transferred the funds to us to repay your equity loan, you will be required to obtain a desktop valuation from the original surveyor. Criteria for the desktop valuation is that the report must contain the up-to-date market value and 3 up-to-date comparables. It must be dated, signed and on headed paper by the surveyor.
You will need to contact your original surveyor and provide a report which contains the up-to-date market value and 3 up-to-date comparables. It should include a date and a signature by the surveyor as well as be on headed paper by the surveyor.
If you are selling your property through HomeBuy Direct, FirstBuy, Help to Buy, Armed Forces Home Ownership Scheme, London Wide Initiative or First Time Buyer Initiative, your redemption figure is based on the sale price or valuation amount depending on which one is higher.
No external or internal structural improvements are permitted while any of our charges are registered on your property. All external or internal cosmetic changes are permitted, however, they will not be deducted from your valuation report when you come to sell your property.
Please email all correspondence to Target.HCA@targetgroup.com. If you do not have access to email, please refer to the Contact Us page to find our address and post your valuation to.
If you have been asked to make a payment to your loan via your smartphone you can make that payment using one of the following debit cards, Visa Debit or Mastercard Debit. We do not accept payments via credit card.

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If you have made a payment to us via your smartphone and would like to talk to us about that payment, you can contact us on 0345 848 0235 (Monday to Friday 9am to 5pm, excluding UK Public Holidays). Alternatively you can e-mail us at Target.HCA@targetgroup.com.
As the payment you have made is towards a financial commitment, we do not offer a refund. However should you need to discuss the payment, you can contact us on 0345 848 0235 (Monday to Friday 9am to 5pm, excluding UK Public Holidays). Alternatively you can e-mail us at Target.HCA@targetgroup.com.