Right to Buy Affordability Calculator

  • Calculate your chance of getting a Right to Buy Mortgage

Right to Buy Affordability Calculator

Right to Buy Affordability Calculator

Can you afford a right to buy mortgage? Use our calculator to gain an understanding of how achievable this may be.

Calculation results should not be considered as a quote. Make sure you read the separate Key Facts Illustration (KFI) or European Standard Information Sheet (ESIS) before making a decision.

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You've got a good chance that you'd be able to get a Right to Buy Mortgage, please contact us for further details

We may be able to get you a Right to Buy Mortgage, please contact us for further details.

It's looking difficult, please contact us for further details.

It looks unlikely, but please do still contact us to ensure that the data input is correct.


For more information and advice, please contact us on 0800 9777840 or complete the form below.

How to Use Our Right to Buy Affordability Calculator

Use our Right to Buy affordability calculator to work out how much you might be able to borrow to buy your council or housing association home. The calculator takes into account a number of factors including your income, the discounted Right to Buy price, any additional deposit you may have available, and the number of your dependents.

Please note that the figures provided by the calculator are for illustration purposes only. The exact amount you will actually be able to borrow may vary depending on different lenders’ assessment criteria and will be based on your individual circumstances, your income level and your credit history. To discuss Right to Buy mortgages with one of our expert advisers, call us today.

Right to Buy – what you need to know

Right to Buy has been around in one form or another since the 1970s. It is a scheme that allows secure tenants in council homes – and, more recently, some housing association properties – to buy the home they live in at a price discounted below market value. Over the years there have been many changes in the details of the scheme and the qualifying criteria for tenants who want to buy the council or housing association home they currently rent.

Under the current details of the scheme (correct as of December 2017) eligible council and housing association tenants in England can buy their home with a discount of up to £78,600, or £104,900 in London. Right to Buy is currently available in Wales, but in December 2017 the Welsh Assembly voted to ban future Right to Buy transactions at some point before May 2021. Right to Buy in Scotland ended in 2016, while a similar Right to Buy scheme (with a maximum discount of £24,000) is still available in Northern Ireland.

There are a number of qualifying criteria for both the property and the tenant. You can apply to buy your council home if:

  • It is your only or main home.
  • It is a self-contained property.
  • You are a secure tenant.
  • You have had a public sector landlord (for example a council/local authority, housing association or NHS trust) for 3 years – it doesn’t have to be 3 years in a row.

You may also have a Right to Buy if your home used to be owned by the council, but it was sold to another landlord (for example, a housing association) while you were living in it. This is called “Preserved Right to Buy”.

You can apply for Right to Buy either in your own sole name, jointly with someone who shares your tenancy (for example, your spouse or partner), or with up to three family members who have lived with you in the home for at least one year, even if they aren’t named on the tenancy agreement.

How much of a discount would I qualify for?

One of the main advantages of Right to Buy is that it allows you to buy your home at a price discounted below the current market value. How much of a discount you receive depends on how long you have been a public sector tenant, and whether your home is a house or a flat.

Houses – You could qualify for a 35% discount off the market value of your council house if you have been a public sector tenant for between three and five years. After five years, the discount goes up by 1% for every extra year you have been a tenant, up to a maximum discount of 70%.

Flats – You could qualify for a 50% discount off the market value of your council flat if you have been a public sector tenant for between three and five years. After five years, the discount goes up by 2% for every extra year you have been a tenant, up to a maximum discount of 70%.

For both houses and flats, the maximum discount is capped at £78,600 across England and £104,900 in London boroughs.

How Just Mortgage Brokers can help

If you are thinking about buying the council home you live in, contact us to talk to one of our expert advisors about your Right to Buy options. We have many years of experience helping public sector tenants buy the home they rent, and can help you find the lender and mortgage that’s right for you.