Right to Buy mortgages

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illustration of Right to Buy

Can I get a Right to Buy mortgage?

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)

Got questions?

What is a Right to Buy mortgage?

What discount can I get with Right to Buy?

What deposit do I need on a Right to Buy mortgage?

Can I get a Right to Buy mortgage if I have bad credit?

Why use Haysto?

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.

Read our story
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We help when others won’t

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.

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Speak to a real person

No robots, no automated answers. We use technology to connect you to a real person. Not replace them.

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Your success is our success

We only get paid when your mortgage is approved.

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Applying for a mortgage or understanding your options shouldn't be confusing, yet there are just so many myths doing the rounds and it's not easy to know where to turn to get the right advice.

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