Property Valuations in London & the South East
Harding Chartered Surveyors provides formal property valuations carried out by RICS Registered Valuers across London and the South East. A formal valuation is an independent, professionally evidenced opinion of value, prepared under defined terms of engagement for a specific purpose — a tax return, a court file, a lender's requirement or a settlement between parties.
There is no single "property valuation". The right report depends entirely on why you need it, and a probate estate, a divorce settlement, a Help to Buy redemption and a commercial rent review each call for a different valuation basis, and sometimes a different valuation date. Before we begin, we confirm the purpose, valuation basis, valuation date and intended users with you, so the report is fit for its intended use. This page explains the main types of valuation we provide and points you to the right one. If you want the fundamentals first — what an RICS valuation is, what it covers and how long it stays valid — start with our RICS valuation overview.

How a RICS Valuation Works
The process is straightforward and the same in principle across most report types. You tell us the property and the purpose; a RICS Registered Valuer inspects it and analyses comparable market evidence; and we issue a formal written report, typically within 5–7 working days of the inspection. Fees and pricing factors are set out on our valuation cost page.

Chartered Surveyor and RICS Registered Valuer
Last reviewed: June 2026
How long is an RICS Valuation Report valid?
Residential property valuations are valid for a three-month period due to changing market conditions.
Example RICS Valuation Report
You can view an example report to understand the type of information included and how the valuation is presented.
Cost of an RICS Property Valuation
Which RICS valuation do you need?
| Do you need a… | Then you need… |
|---|---|
valuation when buying or selling a home | Market valuation |
valuation for probate, inheritance tax or transfer of estate | Probate valuation |
valuation for Capital Gains Tax | Capital Gains Tax valuation |
valuation for divorce, separation or court proceedings | Matrimonial valuation |
valuation for Help to Buy redemption | Help to Buy valuation |
valuation for a Right to Buy purchase | Right to Buy valuation |
valuation for shared ownership staircasing or sale | Shared ownership valuation |
valuation for rent review or lease negotiations | Rent review valuation |
insurance rebuild cost assessment | Reinstatement Cost Assessment |
valuation for extending your lease | Lease extension valuation |
valuation for buying the freehold | Freehold valuation |
valuation for company accounts, asset valuation or commercial property | Commercial property valuation |
Request an RICS Valuation Quote
Tell us about your property and the purpose of the valuation and we will recommend the right report and provide a no-obligation quote. Get an instant quote or call us — we are available seven days a week.
Click on valuation services for any residential-related valuation enquiry or commercial services for any commercial-related valuation enquiry.
Recent Reviews of Harding Chartered Surveyors
Types of Valuations
Buying, selling and general market value
If you are buying, selling, transferring ownership or simply want an independent figure, you can arrange a residential property valuation that gives you an objective opinion of market value. It also helps to understand the different types of valuation report we produce and what is contained in the final valuation report.
Valuations for tax
Several tax situations require a professionally supported property value rather than an informal estimate. For an estate, a probate and inheritance tax valuation establishes the property's market value at the date of death for estate-administration and tax purposes. A Capital Gains Tax valuation can establish the value at a relevant historic date when calculating the gain arising from a sale, gift or transfer. Companies and certain other corporate bodies holding UK residential property worth more than £500,000 may require an ATED valuation.
Clients who live overseas, have recently arrived in or left the UK, or need a historic value under transitional tax rules may also need specialist valuation advice — work still sometimes searched for as a non-domicile tax valuation, although the former non-domicile regime was replaced by residence-based rules from April 2025. The correct valuation date and basis should be confirmed with your accountant or tax adviser before the valuer is instructed.
Valuations for divorce and legal matters
Where assets have to be divided fairly, an independent figure removes a major source of dispute. A matrimonial valuation provides an impartial opinion of value for divorce, separation or court proceedings, prepared by a valuer whose duty is to the facts.
Valuations for government home-ownership schemes
Home-ownership schemes have their own valuation rules and reporting requirements. A Help to Buy valuation may be required when repaying some or all of an equity loan, selling the property or remortgaging. A shared ownership valuation is commonly required when selling your share or buying an additional share through staircasing.
For Right to Buy applications, the landlord normally provides the statutory offer and property valuation, and the discount is set under the scheme rules. Where you are concerned that the stated market value is too high, independent valuation advice can help you assess the figure and understand the options available under the formal review process.
Insurance and rebuilding cost
A Reinstatement Cost Assessment answers a different question from a market valuation. It provides a professionally assessed estimate of the likely cost of demolishing and rebuilding the property, including relevant professional fees and other stated allowances, so an appropriate buildings-insurance figure can be considered. You can read more about how an insurance reinstatement valuation helps you avoid being under- or over-insured.
Commercial and specialist valuations
A commercial property valuation can be prepared for acquisitions, disposals, company accounts, asset reporting and other business purposes; for secured lending, the lender may need to appoint or approve the valuer before the inspection takes place. A rent review valuation provides market evidence to support negotiations under a commercial lease. Charities selling, leasing or otherwise disposing of land may require a valuation and designated adviser's report prepared in accordance with the Charities Act requirements.
Why use an RICS Registered Valuer
Where a formal Red Book valuation is required, it should be prepared by an appropriately qualified and experienced valuer acting under clear terms of engagement. An RICS Registered Valuer works within the RICS regulatory framework and prepares valuations in accordance with the applicable RICS Valuation – Global Standards (the "Red Book") and UK requirements.
This differs from an estate agent's market appraisal, which is normally prepared to recommend an asking price for marketing purposes. A formal valuation identifies its purpose, valuation basis, effective valuation date, assumptions, intended users and supporting market evidence, providing a documented opinion of value on which the named client can rely.
Why do you need an RICS Registered Valuer?
An RICS valuation provides an independent professional opinion of value for your property or land. A RICS Registered Valuer follows recognised professional standards, considers relevant market evidence and applies the appropriate valuation methodology for the property and purpose of the report.
This gives you a written valuation that can be relied on for formal purposes such as tax, probate, matrimonial matters, shared ownership, Help to Buy, lease extension, freehold purchase, accounting or legal proceedings.
Why Choose Harding Chartered Surveyors for Your RICS Valuation?
At Harding Chartered Surveyors, we provide independent RICS valuations for private clients, solicitors, accountants, executors, landlords, companies and property owners across London and the South East. Our valuers follow recognised RICS valuation standards and provide clear, practical reports for tax, probate, matrimonial, Help to Buy, shared ownership, lease extension, freehold, commercial and legal purposes.
Whether you need a desktop valuation, a formal written report or a more detailed inspection-led valuation, we aim to make the process straightforward. Our reports are prepared within the agreed timeframe, supported by relevant market evidence and written in clear language so you can make informed decisions with confidence.
The Benefits of an RICS Registered Valuer
| Benefit | Why it matters |
|---|---|
|
Accurate market valuation | An RICS valuation provides an independent assessment of your property’s market value. The valuer considers factors such as location, size, condition, property type, comparable evidence and current market conditions. |
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Compliance with RICS valuation standards | A RICS Registered Valuer must follow recognised professional standards when preparing a formal valuation report. This helps ensure the valuation is properly evidenced, professionally prepared and suitable for its intended purpose. |
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Suitable for legal and tax purposes | RICS valuations are commonly required for probate, matrimonial matters, lease extension, freehold purchase, Capital Gains Tax, inheritance tax and other formal legal or tax-related purposes. |
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Independent professional opinion | Unlike an estate agent’s market appraisal, an RICS valuation is prepared by an independent professional whose role is to provide an objective opinion of value, not to market or sell the property. |
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Buying or selling property | A formal valuation can help you understand a property’s market value before buying, selling, transferring ownership or making financial decisions. |
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Help to Buy and Right to Buy valuations | If you are repaying a Help to Buy loan or purchasing under the Right to Buy scheme, a formal valuation may be required to establish the property’s current market value. |
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Shared ownership valuations | If you own a share in a shared ownership property, an RICS valuation may be needed when staircasing, selling your share or buying the remaining equity. |
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Residential and commercial valuation expertise | RICS valuations can be prepared for houses, flats, offices, retail units, warehouses and other residential or commercial properties, depending on the purpose of the report. |
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Clear supporting evidence | A formal valuation report is supported by relevant market evidence and valuation methodology, helping you understand how the figure has been reached. |
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Confidence when making decisions | A valuation prepared by a qualified RICS Registered Valuer gives you a clearer basis for making informed decisions about property, tax, legal matters, ownership or finance. |

















