Right to Buy Mortgages
Use your Right to Buy discount to become a homeowner.
If you're a council or housing-association tenant, Right to Buy may let you purchase your home at a discount. That discount can often be used in place of — or alongside — a deposit, making ownership possible with little or no money up front.
Not every lender offers Right to Buy mortgages, and the rules can be complex. We'll match you to the right lender and handle the paperwork, including the offer notice from your landlord.
Key features
Discount as deposit
Many lenders accept your Right to Buy discount instead of a cash deposit.
Specialist lenders
We know which lenders actively support Right to Buy purchases.
Eligibility check
We help you understand whether you qualify and what discount applies.
Full support
From the offer notice to completion, we manage the detail for you.
Is this right for you?
This could be a great fit if:
- You're a council or housing-association tenant
- You've received (or expect) a Right to Buy offer notice
- You have little or no cash deposit
- You want to own the home you already live in
Frequently asked questions
Can the discount count as my deposit?
Often, yes. Many lenders treat the Right to Buy discount as equity, meaning you may not need a separate cash deposit.
Am I eligible for Right to Buy?
Eligibility depends on your tenancy type and how long you've been a public-sector tenant. We can help you check before you apply.
Which lenders offer these mortgages?
Only some lenders support Right to Buy, and criteria differ. We'll place you with one suited to your circumstances.
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Buying a house can be stressful, but Iuliana made the process much easier with her patience, professionalism, and constant support. She was always responsive, helpful, and genuinely cared about helping us reach the finish line.Gina Ceban · March 2026 28 clients recommend us
Could your discount be your deposit?
Tell us your discount and how long you've been a tenant. We can usually say on the call whether a lender will accept it.
