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How the Right to Buy Scheme Can Allow You to Own Your Home

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Enquire about a mortgage with our pre-qualifying affordability form. No imprint on your credit score.

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If you currently rent a council house, but would like the security of owning it yourself, then the right-to-buy scheme could help you do just that!

You could join thousands of council tenants who are now enjoying owning their homes. You could do this with our help, even if you’re self-employed council tenant or have a low credit score.

How would you like to own the council house you’ve already made your home, knowing the time, effort and money you spend on it in the future will be an investment?

Your dream of being a homeowner could become a reality with the right-to-buy scheme.

What is Right to Buy?

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.

How does Right to Buy work?

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.

How to Get A Right to Buy Mortgage if You Have a Low Credit Rating

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

Why You Should Choose a Right to Buy Mortgage with Us

Clever Mortgages has a team of experts who can help find you the best right to buy mortgage for you.

We know the lenders that will say ‘Yes’!

We’ve already have helped 1000s of people to buy their own home and we’re here to assist you too to buy your council home through the right to buy scheme.

Our friendly, efficient and personalised service will ensure you’re provided with the best home buying experience. Buying a home can be daunting, but we’ll make sure we help you each step of the way.

Call us today and find out how it’s surprisingly easy to make your council home your own with right to buy.

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