Right to Buy Mortgages
Three years as a council tenant could mean buying your home with up to £136,400 off.
Why right to buy?
Right to Buy gives eligible council tenants in England the right to purchase their home at a significant discount. If you have been a public sector tenant for at least three years, you could receive a discount of up to £102,400 outside London (or £136,400 in London boroughs), depending on how long you have been a tenant and whether the property is a house or a flat.
The discount can be used as part or all of your deposit, which means you may be able to buy your home with little or no savings of your own. Many lenders offer specialist Right to Buy mortgage products designed to work alongside the discount, and some will lend up to 100% of the discounted purchase price.
At Clearview Mortgage Solutions, we have helped many tenants turn their council home into their own property. Our advisers will check your eligibility, calculate your likely discount, and find a mortgage that makes the purchase affordable. Try our [borrowing calculator](/calculators/borrow-amount) to get an initial estimate.
Key facts
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Your next moves.
The shortest path from where you are to a real mortgage offer.
Estimate your monthly cost and how much you could borrow with our right to buy calculator.
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Read the guides.
Explainers covering deposits, schemes, the application, and what lenders actually look for.
Guides about Right to Buy mortgages
A guide to Right to Buy mortgages
How the Right to Buy scheme works, who qualifies, and how to finance the purchase of your council home.
ReadRight to Buy discount calculations
How your discount is calculated based on property type, tenancy length, and regional caps.
ReadRight to Acquire explained
How housing association tenants can buy their home through the Right to Acquire scheme.
Read
Frequently asked.
Your first chat with an adviser is free and comes with no obligation. If you choose to go ahead, fees vary depending on the complexity of your case, and you will always know the cost upfront. You will never be charged without agreeing to it first.
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right to buy mortgages have their own quirks. Our CeMAP-qualified advisers compare 90+ UK lenders and explain how each one applies to you — no obligation.
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