Council Right to Buy Mortgages - 0800 092 0800
Council Right to Buy Mortgages, 0800 092 0800

Buy your Council House or Local Authority Flat with a mortgage!

Happy Council House Owners

We'll help you claim your discount NOW and create a happier home

Mortgage Shop have been helping council tenants take advantage of their discount entitlement and buy their properties since 1988 and YES we can even help you with the paperwork, fill in this brief form here to start the ball rolling.

The terms for so called Right to Buy Mortgages, Council House Mortgage property purchase schemes have altered slightly, yes for the worse, since the 2004 act, the 1999 discount caps and then the maximum discount levels for London and the South East and varying terms for areas of the UK but its not all negative honest. True financial security can be achieved by buying your local authority home

There are still over 2 million potential rentors who fit the criteria for Right to Buy purchase in England, this presents a huge opportunity for council tenants.

According to research from a lender and YouGov, which surveyed over 6,000 adults in England, around 11% currently rent their home from a local authority or housing association,  within that number, over 50% said that they would consider buying the property in which they live in using the governments Right to Buy scheme.

The Right to Buy scheme allows eligible council and housing association tenants to buy their council rented home with a discount currently available of up to £127,940 in London, or £96,010 outside London.

To be eligible your council property has to be your only or main home, be self-contained, with a secure tenancy, and the tenant would need to have been a paying public sector tenant for three years and without rent arrears, although this period of years does not have to be consecutive.

Since the start of the scheme in 1980 until latest figures in 31 March 2022, there have been over 2 million sales of council properties to tenants through the Right to Buy scheme and in 2021 to 2022, there were 10,878 sales in that period alone - these figures were however slightly down due to the Covid pandemic lockdowns. According to research systems, that were checked today, there are approximately 42 UK mortgage lenders who will lend to council tenants on a Right to Buy purchase.

Basically as long as you utilise a decent long term discounted, fixed or capped rate Council Property Mortgage you can't really go wrong. In saying this I am taking it for granted that your employment circumstances are unlikely to decline and you are able to grasp the very distinct difference between being a tenant and being a borrower, lenders aren't as patient with arrears and you could find yourself suddenly homeless.

Basically you buy the council house or flat you have been living in long term with a Right to Buy Home Mortgage and you get a very good discount from the local authority / council for doing so, taking the discount into account you then don't need to find a deposit yourself, almost fee free. You now have access via our service to the expertise you need to be able to assist you and we look forward to receiving your no obligation enquiry for a Right to Buy mortgage.

We have access to ALL Right to Buy lenders.

The reason I state that obtaining the right rate is important in buying your council house or flat is that you have a period of 5 years from purchase of the property when if things go wrong and you need to sell up or indeed are repossessed by the lender the Local Authority / Council claw back some of the benefit they originally gave you. So at least a decent rated 5 year right to buy mortgage is of utmost importance to allow you to actually reap the rewards of council house purchase with a mortgage. It must be born in mind that some rural areas have restrictions on the resale of ex council properties and so you must make enquiries with your local area as the terms vary considerably dependent on where you live.

You can normally also borrow an additional percentage on top of the purchase amount for any home improvements you might like to make to the property that the Local Authority / Council weren't prepared to arrange for you, this can allow you to make your mark on the property, and in some circumstances debt consolidation monies can be raised to assist your finances . Be aware that ex local authority home purchasers selling their properties within 10 years of council property purchase must offer their properties to a local social landlord on a "first refusal" basis.

Council Right to Buy Mortgages Help

You can use the Governments Right to Buy Discount Calculator here to find out approximately what level of discount might be applicable to your home and then once you have this estimate make your no obligation enquiry to start the ball rolling towards your 100% council right to buy mortgage - we can even accept you if you have adverse credit, a poor credit score, a debt management plan or similar bad credit!

100% AND ABOVE borrowing is now available on the councils discounted right to buy purchase price!

So in a nutshell why hasn't everyone bought their council house or flat and maximised on the opportunity that they hold before them before the benefit is finally whittled away, this I can't answer. Some say it is due to the old adage "better the devil you know than the devil you don't" and knowing what I know about High St lenders this probably holds quite a lot of weight. However in my opinion the deal is for 5 years and if you last that long you can sell up and go live in a tent if you want to and have a bank account full of "free money". Subject only to the fact that property prices haven't dived down (which is unlikely to have made that much difference in 5 years) and you haven't borrowed all the profit away on home improvements which is very common!

If you are interested in purchasing your council house or flat there are a number of things to worry about as this short piece has scratched the surface of, but as a general rule of thumb you should apply for your purchase with your local authority and then as soon as your offer comes through make contact with us on FREEPHONE 0800 092 0800 as soon as possible as there is now a limited timescale restriction applied on you to allow your property to be purchase from the local council / authority.

Council Right to Buy Video from the UK Government

Can you apply for a Right to Buy? The basic answer is YES if you've been a council tenant for 5 years or more always apply to your local authority to get their official response to if you are entitled to benefit from this exciting government discounted property purchase.


Discounts of up to £75,000 to buy your council house or flat - take advantage before the terms decline as council property stock gets low. Make your Right To Buy Council Property Mortgage Enquiry via our service with no commitment at all and we will be able to assist you with your no obligation enquiry.

Right to Buy Application Form

Questions & Answers on Right to Buy Council Purchases

How much Right to Buy Discount can I get HELP VIDEO link?

Q: What is Right to Buy?

Right to Buy was introduced in 1980, the Mortgage Shop advisers have been giving advice on these purchases since 1988, the shcme gives all eligible social housing tenants the right to buy their home at a discount price. Over the years, the discount levels have varied, making the scheme unaffordable to many tenants. Since April 2012, the Government has introduced major changes to Right to Buy, raising the maximum discount now available to £77,000 across England and £102,700 in Greater London.

In July 2014, the maximum percentage discount for a house was increased to 70% (in line with flats) and the maximum cash cap will now increase in April every year in line with inflation.

Over 22,500 tenants have become homeowners since 2012 and for the first time, receipts from additional sales are being reinvested into providing new affordable homes for rent.

Right to Buy Can I Afford to Buy My Council Property HELP VIDEO link?

Q: How do I know if I am eligible for my Right to Buy?

You probably have the Right to Buy if you’re a secure council tenant and have spent at least 5 years as a public sector tenant. The 5 years doesn’t have to be continuous and you can add together any time you have spent as a public sector tenant.

A public sector tenant is someone whose landlord is a public body such as a council, housing association or government department. Eligibility criteria also includes having no legal issues with debt or any outstanding possession orders. You should be aware that some properties are exempt from Right to Buy.

Q: I'm a Housing Association Tenant! Do I have a Right to Buy?

You might have. Most housing association tenants do not have the Right to Buy but if you were a secure council tenant and were living in your current home when it was transferred from the council to another landlord, like a housing association, then you may have a ‘Preserved’ Right to Buy.

If you do, then you can buy your home under the scheme in the same way as if you were still a council tenant. Your landlord will be able to tell you whether you have the Right to Buy.

NEWS UPDATE! Housing Association Right to Buy scheme.

The Chancellor has previously announced plans to extend the Right to Buy scheme to housing association tenants, he has now confirmed that from five housing associations have now started this process, make an enquiry and we'll check if your Housing Association is included in this growing list of Right to Buy Housing Associations.

no obligation enquiry

Q: Can my children or grandchildren use my Right to Buy?

Family members may be eligible to join in the Right to Buy with you. However, if they are not named on the tenancy agreement, they will need to have lived in the property for the past 12 months. There is nothing in law that specifies how a Right to Buy purchase should be financed.

A family member (or someone else) could provide the funding for the purchase. However legal ownership of the property can only be in the names of the eligible tenant/s and other eligible applicants.

Q: OK I have taken the Right to Buy my property what if I then decide to sell my home?

You are able to sell your home at any time, but if you sell your home within the first five years, the landlord has the right to ask for repayment of all or part of the discount. After five years, you can sell the property without repaying any of the discount you received. See below.

Right to Buy Discount Repayment Calculator

If you sell within: Proportion to be repaid:
The first year of purchase The whole discount will have to be repaid
Second year Four fifths must be repaid
Third year Three fifths
Fourth year Two fifths
Fifth year

One fifth

After Fifth year

Nothing to Repay

Make a no obligation Right to Buy mortgage enquiry or SPEAK TO US 365 DAYS A YEAR ON OUR FREEPHONE 0800 092 0800

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