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Right to Buy Mortgage Locations Across The UK

How to get a Right to Buy in England, Scotland, Wales or Northern Ireland.

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By Pete Mugleston   Mortgage Advisor

Last updated: 9th April 2019 *

Right to Buy in Scotland, England, Wales and Northern Ireland

We get lots of enquiries from tenants who want to buy their council or housing association home through Right to Buy. By talking to our customers, we found a common problem that often confuses people - Right to Buy differs throughout the UK. Because of this, many tenants are unsure if they can apply and how much Right to Buy discount they’d be eligible for if they are.

To clear up the confusion, we’ll be comparing Right to Buy in England, Scotland, Wales and Northern Ireland, to help you see how Right to Buy works in your area.

The following topics are covered below...

We work with specialist advisors who can help you through the process of Right to Buy in your area as well as find you the best mortgage deals, even if you’re on a low income, self employed or have bad credit. Contact them here for advice on this.

For general information about Right to Buy mortgages, check out our guide here.

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Is Right to Buy available in Scotland, England, Wales and Northern Ireland?

The scheme is available in some of these locations, as illustrated in the table below...

England Wales Scotland Northern Ireland
Yes Yes, but a ban on Wales Right to Buy due to come before May 2021 No, Right to Buy Scotland ended on 31st July 2016 Yes

Is there any way I can use Right to Buy in Scotland?

We have lots of enquiries from tenants about Right to Buy mortgages in Scotland.

Although Community Right to Buy Scotland (the Scottish version of the scheme) has ended, you can still apply to buy your home from the council - there just is no law or scheme that says they have to agree to it.

If they do, you might have to pay the full price of the home without any discounts.

Despite the scheme having ended, the mortgage advisors we work with are still able to save homeowners money.

They do this through finding our customers the most competitive mortgage rates and also mortgage products that require low deposits.

Am I eligible for Right to Buy in Wales, Northern Ireland and England?

When comparing right to buy in England, Scotland, Wales and Northern Ireland, you’ll notice some differences that will affect your eligibility.

These include:

  • How long you have lived in the property
  • Where you live in the UK

How long do I have to have lived in the property before I can buy it?

England Wales Scotland Northern Ireland
3 years 5 years N/A 5 years
You must have spent at least three years as a public sector tenant in the same property. Can include time spent in different homes and with different landlords. Scotland Right to Buy has ended You must have spent at least five years as a tenant in the same property.

What is the maximum Right to Buy discount I can get throughout the UK?

England Wales Scotland Northern Ireland
£80,900 (£108,000 for Right to Buy London discount) £8,000 N/A £24,000

How much Right to Buy discount can I get in England, Wales and Northern Ireland ?

The discount you are eligible for is based on:

  • How long you’ve been a tenant with a public sector landlord
  • Whether you’re buying a flat or house
  • The value of your home

Right to Buy England

If you’ve been a public sector tenant in a flat for between 3 and 5 years, you get a 50% discount. After 5 years, the discount goes up by 2% for every extra year you’ve been a public sector tenant.

  House Flat
Tenancy Length Percentage Discount Percentage Discount
3-5 years 35% 50%
6 years 36% 52%
7 years 37% 54%
8 years 38% 56%
9 years 39% 58%
10 years 40% 60%

Is Right to Buy London any different to the rest of the UK?

The Right to Buy London discount differs to the rest of the UK. In the capital’s boroughs, the maximum discount you can receive is £108,000, while elsewhere in England the cap is £80,900, increasing each year in line with the consumer price index.

The scheme otherwise works the same in London as it does in the rest of England.

Can I get a mortgage on a Right to Buy flat in London?

You may find that getting a mortgage for a flat, through a Right to Buy scheme in London, can be easier than in other parts of the UK.

For areas where flats and high rise buildings are particularly in demand such as London, Manchester or other highly populated cities, mortgage lenders are more likely to approve your application because high rise properties are easier and quicker to resell in these areas.

This brings less risk to a lender when comparing a mortgage on a highrise in other areas where it would be harder to resell.

Where can I find Right to Buy solicitors in London?

There are solicitors who specialise in Right to Buy mortgages, and the brokers we work with can help to find the right ones for your needs and circumstances. Make an enquiry here to speak to them on the phone today.

Right to Buy Wales

For Right to Buy in Wales,  the discount is 35% if you are a tenant of a house, and 50% if you are a tenant of a flat.

If you are buying a house, you are eligible for 1% more discount for each additional year that you have been a secure tenant, with a maximum limit of 60%.

If you are buying a flat through Wales Right to Buy, you are eligible for 2% more discount for each additional complete year, up to a maximum limit of 70%

  House Flat
Tenancy Length Percentage Discount Percentage Discount
5 years 20% 20%
6 years 22% 22%
7 years 24% 24%
8 years 26% 26%
9 years 28% 28%
10 years 30% 30%

Right to Buy Northern Ireland

If you’re buying 100% of the Right to Buy property in NI and you’ve lived in it for 5 years, your discount will be 20% of the property value.

You’ll get an extra 2% discount for every extra year you’ve been a tenant but this is capped up to a maximum discount of 60% of the valuation or £24,000.

The discount you receive for Right to Buy in Northern Ireland is not affected by the property type, so you won’t get more discount for buying a flat.

  House Flat
Tenancy Length Percentage Discount Percentage Discount
5 years 20% 20%
6 years 22% 22%
7 years 24% 24%
8 years 26% 26%
9 years 28% 28%
10 years 30% 30%

There are many factors that can affect how much discount you receive through Right to Buy in Wales, England and Northern Ireland, so it can be handy to use a rtb mortgage calculator to work it out for you.

If you are unsure or need help, let us know and one of our advisors can talk you through it.

Speak to a Right to Buy mortgage expert

If you want to  try a Right to Buy mortgage calculator or apply for the Right to Buy your council or housing association home, get in touch.

We work with brokers who have arranged Right to Buy mortgages in London, Cardiff, Belfast and other cities across the UK.

You can feel confident that we’ll put you in touch with a specialist who has knowledge about your area and can guide you through the Right to Buy process.

To get a quote from one of the specialists we work with click here or call Online Mortgage Advisor today on 0800 304 7880.

Updated: 9th April 2019
OnlineMortgageAdvisor 2019 ©

FCA disclaimer

*Based on our research, the content contained in this article is accurate as of most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The info on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs. Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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