Free tool
How much is my house worth?
A straight-talking estimate of what your home could be worth today. Pop in your postcode and what you paid, and we uplift it by how much prices have actually moved in your area, using official HM Land Registry data. It is the same kind of automated valuation a lender uses to value a home for a remortgage, no estate agent, no surveyor, no sign-up.
The same kind of valuation lenders use for a remortgage
Here is the useful part: when you remortgage, your lender often does not send anyone to your door. For lower-risk cases they run an automated valuation model (AVM) that estimates your home’s value from local sold-price data and how the market has moved, with no visit at all. That is exactly the approach this tool takes.
Two other terms you might hear are a desktop valuation (a surveyor assesses your home remotely from data and photos) and a drive-by valuation (a surveyor looks at the outside from the street). Both add a human eye; ours is the pure-data AVM version, free and instant, which is why we always call it a guide rather than a formal valuation.
So while it is a guide rather than a formal valuation, it is built on the same logic a lender is likely to use to work out your loan-to-value and which remortgage deals you qualify for. Your estimated value minus what you still owe is roughly the equity you hold. Knowing both before you apply puts you a step ahead.
How we work it out
We keep it transparent, because most online estimates are a black box. Here is exactly what happens when you press the button:
- Your postcode tells us which local authority you are in (we look this up live, nothing is stored).
- We take what you paid and multiply it by how much your area’s average price has changed since, using the HM Land Registry House Price Index.
- That gives a fair, data-backed guide to today’s value, plus the gain since you bought and what it would cost to buy at today’s mortgage rates.
It is a guide, not a formal valuation. Your home’s condition, any improvements, and your exact street all move the number, which only a surveyor or a local agent can judge. For the full detail, see how we estimate home values.
Contains HM Land Registry data © Crown copyright and database right. Licensed under the Open Government Licence v3.0. Covers England and Wales.
House value questions, answered
How much is my house worth?
The quickest free way to estimate what your house is worth is to take what you paid for it and adjust it by how much prices have moved in your area since. Our calculator does this for you using official HM Land Registry data, so you get a data-backed guide in seconds from just your postcode.
How can I value my house for free?
Enter your postcode, what you paid and roughly when. We look up your local authority, then uplift your purchase price by the average price change in your area from the HM Land Registry House Price Index. No estate agent, no sign-up and no email needed.
Is an online house value estimate accurate?
Treat any instant estimate, including ours and Zoopla's, as a guide rather than a formal valuation. Area averages cannot see your specific home, so its condition, improvements and exact street will move the real figure. For a precise value you need a RICS surveyor or a local estate agent.
What is my house worth now if prices have fallen?
The calculator reflects both rises and falls: if average prices in your area have dropped since you bought, your estimate will be lower than what you paid. It always uses the latest monthly Land Registry figure for your area.
Is this the same as a mortgage lender's valuation?
It works the same way. For many remortgages a lender does not send anyone round; they use an automated valuation model (AVM) that estimates your value from local sold-price data, exactly what this calculator does. A desktop or drive-by valuation goes a step further, with a surveyor assessing your home remotely or from the street. Their model or a physical survey can still differ from ours, but this gives you a strong sense of the figure they are likely to start from.
Can I use this to work out my remortgage or equity?
Yes, as a guide. Your estimated value minus your outstanding mortgage is roughly the equity you hold, and your loan compared to that value (your loan-to-value, or LTV) is what decides which remortgage rates you can access. A lower LTV usually unlocks better deals, so it is worth checking before you apply.
How accurate is an automated (AVM) valuation?
Automated valuations are good for a ballpark and are widely used by lenders for lower-risk remortgages. They are less reliable for unusual, heavily improved or recently-extended homes, where a lender falls back to a physical valuation. Treat ours as an informed starting point, not a guaranteed figure.
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