Right to Buy was set up by the UK government in the 1980s. It gives you the opportunity to buy your council home at a big discount. Currently, it’s only available in England. It exists in Northern Ireland, but the maximum discount is a lot lower.
You can get a Right to Buy mortgage if you meet the following criteria:
You’ve been living in a council property for 3-5 years
It’s your only property
It’s self-contained, which means you don’t share any facilities with other people outside of the household
There’s a legal contract between you and your landlord
They have had a public sector landlord for at least 3 years
The property is in England (Northern Ireland and Wales have their own schemes, and Scotland no longer has one)
We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.
Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.
No robots, no automated answers. We use technology to connect you to a real person. Not replace them.
We only get paid when your mortgage is approved.