Council Home Buying Made Easier

We offer a range of tenant purchase products an also advice on the best product to suit YOUR lifestyle to ensure the process of your Right To Buy Mortgage is stress and hassle free.

Who has the right to buy?

Under the Government Right to Buy Scheme, you have the option of buying your Council home at a price lower than the full market value. This is because the length of time you have spent as a tenant entitles you to a discount. The level of discount will be determined by a range of factors including length of time you have been a tenant, and the council who currently owns your home.

The scheme is for tenants of local authorities and those assured tenants of Registered Social Landlords who previously held secure tenancies with local authorities. If your secure tenancy was in existence before 18 January 2005, or you were a public sector tenant before 18 January 2005 (and you have been a public sector tenant continuously since that time), you do not have the Right to Buy until you have spent at least 2 years as a public sector tenant. A public sector tenant is a tenant whose landlord is either a 'Right to Buy landlord'; or one of the public bodies listed under 'Other public bodies'. For anyone else, you do not have the Right to Buy until you have spent atleast 5 years as a public sector tenant.

You will only be able to purchase under the scheme if your house or flat is your only home and is self-contained. You cannot buy your home if a court makes a possession order which says that you must leave your home. Neither can you buy your home if you are an undischarged bankrupt, have a bankruptcy petition pending against you, or have made an arrangement with creditors (people you owe money to) and you still owe them money.

You may be able to exercise the Right to Buy jointly with members of your family who have lived with you for the past 12 months, or with someone who is a joint tenant with you. Any land let together with your home (for example, gardens and garages) will usually be treated as part of your home.
e and simple service? 

Fill in the quick enquiry form 

• Get 100s of quotes from across the market
• Compare deals from leading lenders
• Get advice from a mortgage expert

If you have had credit problems in the past, The overall cost for comparison is 7.3% APR.  The Actual rate available will depend on your personal circumstances.