Could my band be too high?
A 10-second gut-check. We take your area’s typical home value, index it back to 1991 (2003 in Wales) using a regional price back-cast, and read off the statutory band bracket — then compare it to the band you’re actually in. It’s a directional estimate, not a valuation of your home: only HMRC/VOA can change a band, and the free per-address check is the way to be sure.
A signal, not a valuation — and never a refund estimate
Bands are frozen at 1991 values (2003 in Wales). If your home’s value indexes back below your current band’s bracket, you may be over-banded — worth a closer look. This tool stops there, on purpose: it uses a regional back-cast and your area’s typical value, not your specific home, so it can’t and won’t tell you the exact answer or assemble evidence. The free per-address check does that — it compares your actual address and its neighbours. If your value looks consistent with your band, that’s reassuring, but individual homes can still be mis-valued, so the check is still the only way to be certain. We never tell an apparently under-banded home it’s owed money.
Follow the thread
Method: HM Land Registry area median values, indexed to the 1991/2003 valuation date with Nationwide regional house-price factors, against the statutory band brackets. Illustrative, directional — not a valuation. Model as of 2026-06-05. Only HMRC/VOA can change a band.