Right to buy mortgages

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Right to buy mortgages

If you have been a tenant in a council property for more than 3 years, you may be eligible to buy your home at a discounted price under the government’s right to buy scheme.

Right to buy mortgage lenders will need to check that you can afford to keep up the monthly repayments before they accept you for a mortgage. But, if you decide that home ownership is the right choice for you, then we are at hand to help, even if you have a history of bad credit.

Our friendly mortgage advisors are experts in right to buy mortgages and are available 7 days a week to meet or chat with you. They can help advise you on; your eligibility, the level of discount you could receive, how much you can afford to borrow and which mortgage product best suits your needs – all at no cost or obligation to you.

If you choose to move forward with your mortgage application, we will also complete all the necessary paperwork and liaise with your lender and solicitors throughout the process, to ensure everything runs smoothly from start to finish.

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Am I eligible for right to buy?

If you have been a tenant in a council property for 3 years or more, then you may be able to purchase your home at a reduced price through the government’s right to buy scheme.

Your eligibility will need to be confirmed by your landlord, and right to buy mortgage lenders will need to ensure that you can afford to keep up the monthly repayments, before they approve your mortgage application. But, if you decide that becoming a homeowner is the right path for you, then we are here to help you.

How can I get a right to buy mortgage?

If you are looking to purchase your home under the right to buy scheme, you are in safe hands with us. As expert right to buy mortgage brokers, we can help advise you on your eligibility, the level of discount you will receive on your property, the amount you can afford to borrow, and the right mortgage product to suit your individual needs and circumstances.

When you are ready to process your right to buy mortgage application, we will manage the entire process for you; completing all the necessary paperwork, liaising with your lender and solicitors and keeping your regularly informed on the status of your application, so that everything runs smoothly from start to finish.

Can I apply for a right to buy mortgage with bad credit?

If you have a history of bad credit including; missing a few credit card payments or county court judgements (CCJs), there are still mortgage options available, even if you have previously been turned down by a high street bank or building society.

There are mortgage lenders who specialise in providing mortgages to individuals with a poor credit history. Interest rates for bad credit mortgages are usually slightly higher than standard mortgages, as you are seen to be a higher risk. However, if you keep up your repayments, your credit rating should improve and allow you to move to a standard mortgage within a few years.

Our mortgage advisors regularly deal with bad credit mortgage lenders, and are well placed to find you the perfect right to buy mortgage to suit your individual needs.

How much is the right to buy discount?

The right to buy discount varies according to how long you have been a tenant. If you have been a tenant in a council property for 3 years or more, you will receive 35% off the market value of your home. After 5 years, the discount increases by 1% for every additional year you have been living in your council property. The maximum discount you can receive is £77,900 or £103,900 if you live in London.

Information correct as of April 2017 – Source: https://righttobuy.gov.uk/what-discount-could-you-get/

Can I use my right to buy discount as my deposit?

One of the main advantages of the right to buy scheme is that most mortgage lenders will accept your right to buy discount as your mortgage deposit. As expert mortgage advisors, we can help find you the perfect mortgage deal, which will accept your discount as your deposit, at a great price.

It’s important to remember however, that although you may not need to save for a mortgage deposit to buy your council home, you may have to pay mortgage fees to pay as well as survey and conveyancing costs, so you should save and budget at least a few thousand pounds for these expenses.

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