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Right To Buy

If you are living in a council-owned property, then you don’t have to go on paying rent forever with nothing to show for it.

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What is Right To Buy and How Could I Benefit?

The Right To Buy scheme currently exists to help council tenants buy their homes at a discount. It’s also possible that this scheme will be extended to housing association tenants. What this means is that some people who may never have been able to afford their own home might have the ability to get on the housing ladder, so they can invest their money in their own bricks and mortar.

What Happens Next?

Before applying for a mortgage, you need to fill in a RTB1 application form and send it to your landlord. This will request their offer to you for the sale price, if they agree to sell, and other details around the property. If you then disagree with their valuation, you are entitled to an independent valuation from HM Revenue & Customs, who will decide what it’s worth.

You’ll then have to either accept this valuation or pull out of the purchase. Once a valuation and purchase has been agreed, you’ll need to obtain your mortgage.

Let Us Work Out Your Mortgage for You

We’re looking at the mortgages market every day, and know exactly when interest rates change, new products become available and new incentives go online. All this, balanced with our knowledge and experience as independent brokers, means we’re in a strong position to find you the best mortgage for your circumstances.

Taking the Opportunity

Note – the Right To Buy scheme now exists only in England. In Scotland, it has been abolished entirely, and in Wales and Ireland the discount available has been much reduced, ruling it out for many people. The discount available on homes in England varies according to the type of property and the length of time you have lived there.

If you’ve been a tenant in a house for between three and five years, you could be eligible for a 35% discount. This rises by 1% for every year thereafter, to a maximum of 70% or £78,600 across England (or £104,900 in London boroughs, whichever is lower).

If you live in a flat and have been a tenant for between three and five years, the discount offered is 50%. This rises by 2% for every year thereafter, to the same capped figures as for a house.

How We Can Help

The Mortgage Centres are fully committed to providing a professional service. We’ll take you through the process from start to finish, finding the right product for you and making sure you can comply with all the terms of the loan. The opportunity to own your own home is worth grabbing while you can, and when you know what to expect, it all becomes a lot smoother.

Let’s Get Started


Get in touch with your local office and speak to one of our experienced advisers. They will be more than happy to go over all of the above and more. Right To Buy doesn’t have to be complicated. Let us do the hard work for you.

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