This isn’t a mortgage option we recommend searching the high street for.

Not all lenders offer Right to Buy mortgages and each lender’s terms, including amount of discount, and criteria are different. But our Mortgage Advice Hub team have access to right deals and know which lenders to approach, especially if you have poor credit.

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Owning your own house is a big decision and commitment, so we will also recommend you have legal and financial advice. This could be your first step on the property ladder so we want to make sure it’s a good one; and the best move for you and your family.

You’ll need to have been a public sector tenant for at least five years, then with each extra year, your Right to Buy mortgage discount increases, up to a maximum of 70%. Qualifying tenants of local authorities and non-charitable housing associations have been able to buy their homes under this scheme since 1980. But all lenders’ terms differ. We can help you and explain the whole process of applying, as well as do the paperwork for you if you need us to.

Important information

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

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

Where do you go from here?

Quickly find out how much you can borrow, and what your repayments would be, using our easy mortgage tool. >

You can make an appointment to talk to one of our friendly mortgage experts, either in person or on the phone, at a time to suit you.

You can contact us now on 0300 303 0913 and speak to one of our team right away.

You can fill out our quick enquiry form to request a callback.

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Our app helps you to work towards the goal of getting your own home

Use our savings trackers, step-by step checklists, and lots of useful guides.

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