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Right To Buy

At Mortgage Solutions Merseyside we have the experience to help you purchase or remortgage your Right to Buy property from our extensive range of lenders

Image by Annie Spratt

Buy scheme helps social tenants in England to buy their council home at a discount. You can apply for Right to Buy if you’ve been a council or public sector tenant for five years (it doesn’t have to be five years in a row). You are a public sector tenant if you have lived in properties provided by a housing association, the armed services or a public body like an NHS trust. You can make a ‘joint application’ to buy your home through Right to Buy with someone who shares the tenancy with you or with members of your family. They must have lived with you for the past 12 months. You can’t buy through the scheme if:

  • the property isn't your main home
  • the property isn't self-contained (has a shared kitchen or bathroom)
  • there's a court order saying you must leave your home
  • you're an 'undischarged bankrupt'
  • you're being declared bankrupt
  • you owe money to creditors

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Who can apply for Right to Buy?

Some properties won’t be sold through Right to Buy, eg if your home is suitable for housing the elderly. See the link 'Exceptions to Right to Buy' for more information.

Right to Buy discounts Discount increase

You can get a discount on the market value of your home when you buy it if you qualify for Right to Buy.

The maximum discount is £77,900 across England, except in London boroughs where it’s £103,900. It will increase each year in April in line with the consumer price index ().

The discount is based on:

  • how long you’ve been a tenant with a public sector landlord
  • the type of property you’re buying - a flat or house
  • the value of your home

If you’re buying with someone else, you count the years of whoever’s been a public sector tenant the longest.

You’ll usually have to repay some or all your discount if you sell your home within 5 years.

You might get a smaller discount if you’ve used Right to Buy in the past.

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