Right to Buy Scheme

Right to Buy Scheme – We can help you buy your council house at a heavily reduced price

If you’re a council tenant, we could help you to buy the property at a significant discount through the Right to Buy scheme. Right-to-Buy allows tenants of council properties, and some housing associations, the legal right to buy, at a large discount, the council house they are living in.


  • Up to a 70% discount available on the price of your home
  • Your own deposit is not always required
  • Raise additional funds for home improvements

Right to Buy FAQ

The right to buy scheme was introduced almost 40 years ago to allow eligible council and housing association tenants to buy their council homes at a discount.

If you’re eligible, you can also enlist the help of your spouse and other family members – who have also lived in the property – with a joint application.

At Clever Mortgages we can check if you meet the eligibility criteria and help you apply for a right to buy mortgage even if you have bad credit.

There are certain criteria you must meet to be able to apply for a right to buy mortgage.


  • Be a council tenant. Even if your council has transferred your home to a housing association, you could still have a ‘preserved’ right to buy. You can also still apply if you’re not a council tenant now, but were one when your home was transferred to a new landlord
  • Have lived in your home for at least three years – and it must be your only home. The longer you’ve lived in your home, the bigger the discount you’ll receive
  • Have kept your home in good condition


  • Have debts which have associated legal problems, such as bankruptcy
  • Have a possession order against your home
  • Live in a property which is due to be demolished

Sometimes it’s easy to miss-understand the small print, so our friendly  team will take the time to fully understand your circumstances and help you throughout the whole right to buy process.

Going through a mortgage broker gives you the best chance of finding a mortgage product best suited to your personal finances.

You’ll know how much you want to borrow based on the offer presented by your landlord, from there one of our broker will need to take some information.

  • Income – you can prove this with payslips or by using your bank statements. Lenders will need to know you can afford to meet repayments, and our brokers will want to make sure they find you a mortgage that’s affordable.
  • Outgoings – this will be things like your general living costs, bills, loan or credit repayments and any other regular expenditures. It’s important to be honest so you are sure you’re getting a mortgage you can afford to keep up the repayments on.
  • Your credit report – this is how lenders determine if you’re a responsible borrower and can play a part in whether your application would be accepted. If you have bad credit or a history of credit issues, we could still help you. Our brokers are specialists in bad credit situations and work with specialist lenders who consider all applicants.
  • ID – this could be your passport or driving license
  • Address details
  • Information about your property
  • The sum you wish to borrow and the term you’d like to borrow it over

Our brokers will be able to start the application process for you, finding the right lender for your situation. If accepted, you should get a mortgage in principal and from there you can go down the formal application process.

Once your application has been accepted by your lender, your solicitor will arrange for all searches and conveyancing.

Finally, your solicitor will arrange for the funds to be transferred and contracts to be exchanged on the day of completion.

The Right to Buy scheme has some criteria that must be met for you to be eligible. This includes:

  • The council home you wish to purchase must be your only, or main home.
  • It’s self-contained. This means you don’t share any rooms with people who don’t live in your household, this includes bathrooms and kitchens.
  • You must be a secure tenant. Gov.uk considers this as a tenant with a contract with their landlord wherein you can “normally live in the property for the rest of your life, as long as you do not break the conditions of the tenancy.”
  • You’ve had a public sector landlord, such as your local council, housing association or NHS trust for 3 years, the 3 years do not have to be consecutive.

If your council has transferred your home to a housing association, you could still have a ‘preserved’ right to buy. You can also still apply if you’re not a council tenant now, but were one when your home was transferred to a new landlord

If you want to apply for a Right to Buy mortgage you must not:

  • Have debts which have associated legal problems, such as bankruptcy
  • Have a possession order against your home
  • Live in a property which is due to be demolished

Some lenders allow you to use the discount you get through the Right to Buy scheme as your full deposit, essentially meaning you could borrow the sum you need for the mortgage without saving for a deposit. This usually comes with the condition that the lender would repossess the entire property if repayments aren’t made following attempts to reclaim owed money.

This isn’t always the case though, so if this is the type of mortgage you are seeking it could be easiest to find through a mortgage broker like Clever Mortgages. Clever Mortgages brokers have access to a range of lenders, several specialising in unique financial situations which means you could have a wider range of mortgage products to choose from.

We understand people’s circumstances are different and just how easy it is for unsecured debts to mount. It’s still possible to qualify for a right to buy mortgage though even if you have bad credit, for example have missed previous payments or defaulted on a loan.

At Clever Mortgages, we can provide all the advice you need to help you buy your council home, even if you have a poor credit rating. We can help you find a suitable right to buy mortgage that you’ll be able to afford now and in the future.

This means that you could still own your home with the right to buy scheme even if:

  • You have a less than average credit history
  • You’re self-employed or have complex income
  • Your property was built using a non-standard construction method

For free initial advice from our qualified mortgage brokers about a Right to Buy, call 0800 197 0504 or click below to request a callback at a time to suit you.

How does Right to Buy work?

One of the most attractive features of Right to Buy for many tenants is the discount you could get on the purchase of your home. If you’re eligible for Right to Buy, you could get a maximum discount of £84,200, unless you live in London where the maximum discount increases to £112,300. The discount increases each year in April, rising in line with the consumer price index (CPI). This applies to England.  Wales, Scotland and Northern Ireland may differ.

Case Study

Helping one customer buy her council home through the Right-to-Buy scheme

Our customer Ms L wanted to buy her council home, but she had bad credit and wasn’t sure if she could do it.

With Clever Mortgages she was able to:

  • Use the Right-to-Buy scheme to buy her council home
  • Benefit from the council’s £62,000 discount on the property
  • Take out a mortgage with a term of 15 years
  • Secure an initial 5 year fixed rate
New mortgage£41,200£307.654.14%15 years

Ms L had lived in her council house for several years and wanted the reassurance of it being her permanent home. She had missed previous payments though on unsecured debts, which had affected her credit score, and she didn’t think she’d be able to take out a mortgage.

Her local authority had offered a £62,000 discount on the price of the property, which meant she only needed a mortgage of less than half its market value. She approached us as she was keen to find out if she could take out a mortgage and not miss out on such a good discount.

At Clever Mortgages we were able to help as we know the lenders that will accept customers with bad credit. Plus, we secured the customer a 5 year fixed monthly payment.

Ms L was delighted to secure her home at a large discount under the Right-to-Buy scheme.

No obligation advice on Right to buy mortgage

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6 Great reasons to choose Clever Mortgages

Specialists in bad credit

Every member of our team is trained in bad credit situations and know how to find the right solutions for customers – helping them get the mortgage that’ll get them back on track.

Over 100 lenders

The number and quality of lenders we work with means we have access to a diverse spectrum of best-rate deals. The lenders we use means we have all areas covered – even for those in particularly niche circumstances.

Experts in bad credit

We have helped 1000’s of people with bad credit. All our advisors are trained on securing mortgages for clients with bad credit. In short, we know this market.

Access To Exclusive Rates

We have access to every adverse friendly lender, we can often secure you exclusive rates you can’t find on the high street.

First class support

We know that sorting out a remortgage can be stressful – but our experienced team of experts will have any questions you have along the way, and will always be proactive when it comes to keeping you in the loop with your application progress.

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Why use a mortgage broker?

Mortgage brokers can help you find the best deals on the market – not just from one lender. With a broker you’ll get:

  • Valuable knowledge, through years of experience helping customers to find mortgages
  • An improved chance at finding a mortgage, some mortgages are only available through a broker
  • Help with the application process, as usually just one application can be used across various lenders
  • Advice on how to improve your chances, for instance getting a guarantor or applying for a joint mortgage

About Clever Mortgages

We specialise in assessing an individual’s situation, and finding the right mortgage solution for them. We can help:

  • With remortgages, buy-to-let, and first-time buyers mortgages. We have experts who cover these areas
  • Even if you’ve got bad credit – we help people every day with a variety of credit histories to find the right mortgage
  • With applications, as we’ll take the hassle away. We require your details once and we’ll know the best lenders for your circumstance
  • Our team know the lenders that are most likely to say ‘yes’, and give you the best rates

What should I do next?

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  • One of our experts will give you a call to find out more about your situation
    We have experts in remortgaging, who focus solely on helping customers save money
  • We do all the hard work for you
    We search the market for the trusted lender that’s right for you
  • Our expert will get back in touch
    We can guide you every step of the way, and we’ll always keep you up-to-date with progress
Meet the team

Richard Bowyer

Richard is our Protection Specialist, providing transparency and simplicity when it comes to your life, critial illness and income protection needs

Call us on: 0800 197 0504

Below are some of the lenders we work with