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Right-to-Buy customers

Own the rental property you already love.

Request a call back

We’re here between 9am and 8pm Monday to Thursday, 9am to 7pm on Friday. If you contact us by 5pm we guarantee to get back to you the same day. If it’s after 5pm, we can’t promise we’ll be able to reply on the same day, but we’ll do our very best.


Your home may be repossessed if you do not keep up repayments on your mortgage.

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Turned down by high street lenders? Less than perfect or no credit history? An unusual property? Talk to us.

We think looking at your individual situation, combined with our common-sense approach to lending, makes better sense for everyone.

Find out more about the Midlands Voluntary Right-to-Buy pilot ❯
Making your first step on the housing ladder

Introduced in 1980, the UK government’s Right-to-Buy scheme enables tenants of council-owned homes to purchase their homes at reduced rates. Over the last thirty years we’ve helped many eligible people in council and housing association properties achieve their ambition of becoming a homeowner. That’s because our common sense approach of looking at your individual situation and not just your credit rating, makes better sense for everyone.

No deposit needed

We offer Right-to-Buy mortgages up to 100% of the discounted purchase price. So if you qualify for the maximum right-to-buy discount, you may only need to find funds to cover any fees or charges. There also aren’t any valuation fees or lender solicitor charges.

To help make things more affordable and easier to plan, we offer a 5-year fixed-rate product. Also, we don't hit you with early repayment charges if you want to pay off your mortgage early. And that’s even on fixed-rate mortgages.

We’ll consider Right-to-Buy mortgages for many properties

Your landlord will need to confirm your eligibility for Right-to-Buy and give you an offer letter called a Section 125 Notice (S125). Once you've got this, we’ll consider all applications, including:

  • applicants with less than perfect credit rating, self-employed and those on zero hour contracts
  • up to four people buying the property jointly
  • properties that other lenders may not consider including high-rise properties, non-standard constructions and when your property is a little out of the ordinary.
Key features
  • Loans up to £1,000,000
  • up to 100% of the purchase price up to a maximum loan to value (LTV) of 65%
  • variable rates from 4.85%
  • interest-only repayment options available
  • Right-to-Buy in Scotland is by referral only
Overall cost for comparison

For example: A mortgage of £85,000 payable over 19 years initially on a fixed rate for 5 years at 7.12% and then on a tracker rate for the remaining 14 years at 6.12% above the Bank of England Base Rate would require 60 monthly payments of £715.17 and 168 monthly payments of £694.37 plus a redemption administration fee of £150.00.

The total amount payable would be £159,713.67 made up of the loan amount plus interest on the loan (£66,965.40), processing fee (£2,125.00) and arrangement fee (£2,125.00) plus interest on these fees (£3,348.27) and the redemption administration fee (£150.00).

The overall cost for comparison is 7.8% APRC representative. 

The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.

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