Right to Buy Mortgage

Right to Buy is a government backed scheme to help housing association tenants get on the property ladder. If you have been a tenant for 5 years or more you may be eligible to buy the property that you are currently renting.

How can we help?

We can take you through the process with ease and finding us was the first step, next is understanding more about the process.

Our job is to help you understand the process and to secure the right mortgage for your situation. As mortgage advisors, we have access to exclusive deals and we will do a mortgage comparison to determine the most appropriate option for you.

The team will guide you and be with you every step of the way, by handling the whole process from application right through to completion.

Am I eligible for a Right to Buy Mortgage?

To qualify for the right to buy scheme you must have rented the property for at least 5 years prior to your application. You may be able to apply before the 5-year period if you inherited the tenancy from another individual or if you were renting another social housing property before the one you are currently renting. There may also be some exclusions based on the house you are renting. For example; some bungalows are excluded from the scheme and some properties are specially adapted for people with disabilities as these properties are essential for the housing association to house tenants in the future. You will not be eligible if you are currently living in a sheltered housing development.

How is the purchase price determined?

An independent valuer will assess the property and work out how much it would sell for. The discount you are entitled to is subtracted from the value and this will make the price you will pay for the property.

How much discount am I entitled to?

Discount is dependent on your situation and how much of the property you are buying. All of this can be explained by our special mortgage advisors, so get in touch with us if you want advice about a Right to Buy Mortgage.

The steps to Right to Buy solutions


Your situation will be reviewed and your eligibility will be determined based on the property you are currently living in and how long you have been living there. Your application for a Right to Buy Mortgage will be submitted.


You will receive a confirmation letter stating that your application has been received, your landlord/housing association will review your application to ensure it is valid for the application to proceed. An independent valuer will determine the price of the property.


You will receive an offer with the purchase price and you will have around six weeks to respond to the offer.

Your home may be repossessed if you do not keep up your repayments on your mortgage.


Get The Right Mortgage For You!