Yes, if you’re a council tenant, you may be able to buy your home through the government’s Right to Buy scheme. To qualify, your property must be your main home, you’ll usually need to have been a public sector tenant for at least 10 years, and you mustn’t have serious debt or legal issues. The scheme offers a discount on the property’s market value, which can sometimes be used as a deposit toward your mortgage.
Right To Buy Mortgages
Thinking of buying your council or housing association home? The Right to Buy scheme allows you to buy your council house or flat at a discount.
Learn more about the scheme and how our mortgage advisors can help with your mortgage application.
Right To Buy Mortgage Advice
The Right to Buy scheme lets eligible council and housing association tenants buy their home, often at a discount. For many, this means homeownership becomes affordable without the need to save for a large deposit, since the discount can count towards it.
Every lender treats Right to Buy mortgages differently. Some accept the discount in place of a deposit, while others may ask for extra savings. Lenders will also check your income, credit history, and affordability before approving an application.
At Online Mortgage Advisor, our specialists understand Right to Buy criteria and know which lenders are most flexible. They can guide you through the entire process and help you avoid common pitfalls.
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See What Your Discount Could Be
Use our Right To Buy calculator to see what your discount could be.
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Read our guides
Explore our Right to Buy guides to learn about eligibility, discounts, and what to expect when applying for a mortgage
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Compare Right to Buy mortgages
Use our comparison tool to view current deals from lenders who support Right to Buy.
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Speak to an expert
Get matched with an advisor who specialises in Right to Buy mortgages and knows which lenders are most likely to approve your application.
Our advisors know which lenders accept the Right to Buy discount as a deposit and can help you secure the right deal. Enquire today.
Our Guides
Expert mortgage guidance tailored for Right to Buy applicants.
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Mortgage Tools & Calculators
Professional tools designed to help you understand your mortgage options, compare rates, and make informed decisions about your financial future.
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Frequently Asked Questions
Still have questions about mortgages, rates, or the application process? Our comprehensive FAQ section covers everything from first-time buyer queries to complex remortgage scenarios.
The discount you receive depends on how long you’ve lived in a property, where it’s located, and the value of the property. Use our Right to Buy calculator to work out your discount.
A lot of lenders will let you use your discount as a deposit. However, some lenders may require a deposit of around 5% to 10%, depending on your circumstances.
A mortgage advisor will search the market for you and recommend the best deal based on your situation. They do more than compare rates. They understand lender criteria, manage the paperwork, and know how to get complex cases approved.
With expertise in specialist mortgages and strong lender relationships, they save you time, reduce the risk of rejection, and often access deals not available directly.
Online Mortgage Advisor is an FCA-authorised mortgage broker serving customers nationwide. We have specialists who excel in situations like yours.
Over 600,000 borrowers have trusted us to help them find the right deal, and we are rated Excellent on Trustpilot.
Your first chat with an advisor is always free and comes with no obligation. If you choose to go ahead, fees vary depending on the complexity of your case, but you will always know the cost upfront. You will never be charged without agreeing to it first.
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You’ll have a dedicated team by your side from questions to completion, with clear choices and costs explained upfront. We’ll match you with a mortgage advisor specialising in your unique situation.