Council right to buy mortgages

The 1981 Housing Act allows council tenants to buy the property they live in from the local authority. Most Council Tenants have “the Right To Buy” their home. The right to buy means you can buy your home from a local authority, a non-charitable housing association or a housing action trust. Usually a “right to buy” mortgage will cost less than on the open market because as a tenant you can obtain a discount on the loan.

The UK Mortgage Site makes every attempt to ensure the accuracy and reliability of the information stored on and accessible from this web site, but this information should not be relied upon as a substitute for formal advice from Departments of the Council and its partners.

To qualify for a right to buy mortgage you must:


  • Be the legal tenant of the property you wish to purchase.
  • Have been a tenant of this Council or another “right to buy” landlord for at least two years. You may be entitled to a discount off the purchase price of your home. The amount of discount depends on how long you have been tenant in the Council House or other “right to buy” landlord, and the type of dwelling you are living in.



We’ll find the best mortgage for you

We listen and effectively respond to your needs. We are experts at finding the best right to buy mortgages in the UK. However, finding a mortgage to fit your needs is only the first step in what can be a complicated process.


That’s where a dedicated mortgage advisor comes in. Rather than leave you to manage things after we’ve chosen the best mortgage for your circumstances, you’ll be assigned a dedicated mortgage advisor who will work closely with your lender, solicitor and surveyor to manage the process right through to achieving a satisfactory offer. They’ll chase up references, instruct your survey and act as a central point of contact for your mortgage application.


Your advisor will do their utmost to keep you fully informed on progress and we also unconditionally offer the following guarantees:


  • You are under no obligation whatsoever
  • There are no brokers fees to pay
  • No salesmen will call at your home
  • You can cancel at any time up to completion
  • If you cancel, there are no costs or penalties



How to receive your free mortgage illustration

Experienced, qualified advisors who arrange the best mortgages available handle all enquiries. They have access to every UK mortgage lender and will only approach the lenders who can offer you the best deal, saving you time and money.


To receive your free mortgage illustration, you just need to enter some basic information into our mortgage enquiry form and your advisor reply within 24 hours with details of the best mortgages available from the whole marketplace. Remember there’s no obligation, no credit checks will be performed without your consent and there are no brokers fees to pay.


Or if you prefer, you can call a fully trained mortgage advisor on 0845 490 0419. It will only take a few minutes of your time today but could save you thousands of pounds in interest payments and will eliminate any worries you may have about getting the best deal possible.



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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Please make sure you can afford the repayments before entering into an agreement.

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