What is Right to Buy?

Right to Buy is where your local authority or Housing Association give you the opportunity to purchase the property you are living in at a discounted purchase price.


You can purchase the property for the discounted purchase price plus extra funds in most circumstances up to 85% of the open market value. In many cases the value set by the council is lower than properties of similar types to yours which have sold within the last 6 months. The lender accepts the valuer’s valuation and ignores the valuation set by council or Housing Association. This means that


Right To Buy Mortgages

you can have funds to cover the cost of the purchase and further funds for home improvements etc. In many cases the lender does not require home improvement quotes or re-inspection of the property by the valuer to confirm the works have been carried out. This therefore provides you with greater flexibility.

  • Mortgage rates can be as competitive as High Street lenders subject to status
  • Schemes for people with adverse credit including rent arrears

If you are thinking of purchasing we will give you free advice, help and assistance at every stage from obtaining the Right to Buy all the way through through to completion and purchase.


For further information please contact us on

FREEPHONE 0800 587 4229, request a call back,

email, or complete an online enquiry form


The overall cost for comparison is 2.2% APR

The actual rate available depends upon your circumstances.

Ask for a personalised illustration. APR variable and based on a typical case

A FEE MAY BE CHARGED - AN AVERAGE FEE WOULD BE 2.7%