Support and expert advice for purchasing your council home.
Right to Buy can allow eligible council tenants to purchase their home at a discounted price. We help you understand how it works and arrange a mortgage that fits your situation.
At The Mortgage Heroes, we help you understand the process, assess whether the discount can be used as your deposit, and match you with lenders who support Right to Buy applications.
A Right to Buy mortgage is designed for council or housing association tenants who are eligible to purchase their home through the Right to Buy scheme. The scheme allows qualifying tenants to buy their property at a discounted value, which can often be used in place of a traditional cash deposit.
Because Right to Buy purchases involve specific rules, paperwork, and lender requirements, they can feel more complicated than a standard purchase. Some lenders are more comfortable with Right to Buy than others, particularly depending on property type, location, and remaining lease terms.
Right to Buy eligibility depends on both scheme rules and lender criteria along with geographic location. Many applicants may be eligible if they are current council tenants, have met the required qualifying period, and are purchasing the home they already live in.
Lenders will also assess income, affordability, and whether the property type and lease meet their requirements. If you’re unsure whether you qualify or how much you could borrow, we’ll help you sense-check everything before you apply.
We guide you through the Right to Buy process step by step.
We confirm your eligibility, discount, and borrowing position.
We identify lenders who accept Right to Buy applications and suit your circumstances.
We explain your mortgage options, deposit position, and affordability in plain English.
We manage the mortgage application and support you with lender requirements.
We stay involved until mortgage offer and completion.
Buying your council home is a long-term commitment. Reviewing protection can help safeguard your home and income if circumstances change.
Yes, subject to lender criteria and property value.
Not always, but affordability and costs still need to be considered.
No. Some lenders are more restrictive, particularly on certain property types.
Yes, but there are usually restrictions and potential repayment of discount if sold within a certain period.
Most houses are eligible, while flats and maisonettes may have additional criteria.
Timescales vary, but we’ll guide you through each stage and help avoid unnecessary delays.
Browse our guides covering eligibility, discounts, timelines, and common questions about buying through Right to Buy.
Start your journey online with The Mortgage Heroes. Our experts are here to help, offering clear, practical advice and support for your mortgage journey – without the pressure.
