It is possible to pay off the equity in Help to Buy property at any time either fully or partially. No interest is incurred for the first 5 years of a Help to Buy loan however 1.75% will be charged after this which will escalate. The partial or full redemption will be based on a chartered surveyor’s valuation which will be the current market value and not the value when purchased. Similarly equity in Housing Association property can be purchased up to 100% at any time and this also requires an RICS valuation.
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