Right to Buy Mortgages

Right to Buy Mortgage Specialists 

At Just Mortgage Brokers, we work with hundreds of lenders offering Right to Buy mortgages. If you’re looking to buy your council house or housing association property, we can help you find a mortgage deal that suits your financial circumstances. Even if you have a poor credit history, it doesn’t mean you won’t be eligible for a Right to Buy mortgage.

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What Is a Right to Buy Mortgage?

Mortgages for Right to Buy properties work in the same way as typical residential mortgages. In fact, anyone purchasing their council house through a Right to Buy scheme has access to the same mortgage deals as anyone else. The amount you can borrow will depend on the market value of the property, the size of your deposit, and various affordability criteria such as your income and credit history.

Can I get a 100% mortgage for a right to buy property?

Having the option to purchase your home under the right to buy scheme can be a very attractive for many however, not all would be purchasers have adequate savings to put down as a deposit.  Although there will be lenders that still require a minimum 5% of the purchase price there are still many who are happy to consider the discount as the applicants deposit and therefore are happy to lend up to the full discount price (subject to affordability).  Indeed, albeit the pool of choice will be smaller, there are certain lenders that will consider lending in excess of this level for home improvements.

Can I get a right to buy mortgage with bad credit?

If you are looking for a Right to Buy mortgage but are concerned you may have a bad or adverse credit score, you can still obtain a mortgage. Here at Just Mortgage Brokers, we have access to a number of mortgage deals for people who don’t have a perfect credit history, so feel free to get in touch today. Alternatively, why not take a look at our guide on securing a Right to Buy mortgage with bad credit, which covers this in more detail.

What is the Right to Buy scheme?

Right to Buy is a scheme that allows existing tenants of public-sector homes in England to buy the property they currently rent, at a price discounted below the market value. Similar schemes are available in Wales and Northern Ireland, but the rules are slightly different. Right to Buy has existed in one form or another for decades, and enjoyed particular popularity in the 1980s, with over a million council houses sold to tenants. While changes in government policy reduced discounts and changed who could make use of Right to Buy, further changes to the scheme in 2015 have made Right to Buy both more attractive and more widely available to public-sector tenants in England. The recent changes extended the scheme to make it available to housing association as well as council tenants, although at the time of writing this was still in its early stages, with a voluntary Right to Buy pilot scheme rolled out in August 2018.The government has also reduced the qualifying tenancy period – you now only need to have been a public-sector tenant for three years, rather than the previous five – and increased the maximum Right to Buy discount available – it is now £82,800 (or £110,500 in London), increasing in subsequent years in line with the Consumer Price Index (CPI).The maximum discount is correct as of June 2019.

How much is the Right to Buy discount?

The actual percentage discount off the market value of your home with Right to Buy varies depending on the type of property, and how long you have been a public-sector tenant:

  • For houses, public-sector tenants become eligible for a 35% discount after three years’ tenancy. After five years’ tenancy, the discount increases by 1% for each extra year you have been a public-sector tenant, up to a maximum discount of 70% (currently capped at a total of £82,800, or £110,500 in London).
  • For flats, public-sector tenants become eligible for a 50% discount after three years’ tenancy. After five years’ tenancy, the discount increases by 2% for each extra year you have been a public-sector tenant, up to a maximum discount of 70% (currently capped at a total of £82,800, or £110,500 in London).

What right to buy discount am I eligible for?

You can use our Right to Buy discount calculator to see how much of a discount you may be eligible for. Simply enter the current value of your home, select whether it’s a house or flat, and specify how many years you have been a tenant. Once you have provided this information, we will give you an estimate of your Right to Buy discount.  

Am I eligible for Right to Buy?

As with any home ownership scheme, there are certain eligibility criteria that you must meet in order to take advantage of Right to Buy:

  • You must be a secure tenant residing in a self-contained property
  • It must be your only or main home
  • You must have been a public-sector tenant (with a council, housing association or another public-sector landlord such as an English NHS trust) for a total of at least three years.

You don’t have to have been a public-sector tenant for three consecutive years – if you have had a break in your tenancy, you can still apply, as long as you have been a public-sector tenant for three years altogether.

Certain other factors, such as bankruptcy and other debt problems, can affect your eligibility for the scheme. You can check your eligibility on the government’s website.

How do I apply for Right to Buy?

You apply for Right to Buy by sending a completed application form to your landlord, who will respond by sending you an offer. This will outline the following:

  • The price they believe you should pay for your property
  • How the price was worked out
  • Your Right to Buy discount and how it was calculated
  • Description of the property, plus any land, that is included in the price
  • Estimates of service charges (for a flat or maisonette) for the first five years
  • Any existing problems with the property’s structure

Once you have received an offer, you have 12 weeks to confirm your intention to buy. You also have the right to request an independent valuation if you believe the landlord has overvalued your home. This must be requested within three months of the offer.

If the council or housing association refuses your application for Right to Buy, they must provide a reason why.

Can I apply for a right to buy mortgage with a partner?

Having the opportunity to purchase your home via the right to buy scheme can be an exciting time however it may not be possible based on your sole circumstances or you may simply through choice wish to purchase your home with your partner. Typically, a lender will wish to see that the names as quoted on the right to buy paperwork mirror that of the mortgage and in turn the property ownership however, this may not always be the case. Some lenders may look at arranging the mortgage in joint names even if the right to buy is in your name only and for some it may be possible to arrange a loan on a joint mortgage sole proprietor basis that works very similar to a guarantor.

Gives us a call today to see what may be possible for you.

Can I get a right to buy mortgage if I am retired?

Having the option to purchase your home through the right to buy scheme may not become available to you until later in life or may not even have been the right time for you until then. Getting a right to buy mortgage if you are retired is possible for some however the term “retired” is very broad and perhaps does not describe an applicant’s full circumstances. Typically, an assumption of a person who is retired will be that of an applicant who is of a more mature age and this can be a factor that will mean certain lenders will not be able to assist. However, age is not a barrier to all lenders and much will simply come down to affordability as with an applicant of any age, meaning that for those that qualify a right to buy mortgage even if you are retired is very much a possibility.

Can I get a right to buy mortgage if I am self employed?

Being self-employed conjures up many concerns for those that it applies to when it comes to mortgages. Therefore, if you are in a position of being offered the opportunity to purchase your home under the right to buy scheme you would be forgiven if you too thought this may not be possible. The perceived difficulties for the self-employed when applying for a mortgage however are usually unfounded and most applicants will simply be assessed as any other. Affordability is critical however as lenders need to be happy that you can afford the amount you require. Knowing how each lender assesses a self-employed applicant’s income is important and will hopefully therefore stand you in good stead in being approved. Contact one of our specialist mortgage advisers today who will help you through the journey and assist you in obtaining you right to buy mortgage if you are self-employed.

Right To Buy Mortgage Brokers

As with any financial product, it’s always worth seeking expert advice first. At Just Mortgage Brokers, we can advise on the Right to Buy mortgage options that are available to you, and our team will happily guide you through the whole application process. We work closely with leading brands and smaller specialist lenders, meaning we have access to exclusive mortgage deals to suit all requirements. Get in touch today to find out how we can help.