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Intermediaries site
Intermediaries site

Buying through Right to Buy?

Own the council house or flat you
already love. 0207 858 2809 or arrange a callback >

  • Fixed rates from 5.6%*.
  • t-doc-tick-white-02 Variable rates from 4.85%*.
  • Defaults and CCJs accepted.
  • No Early Repayment Charges.
  • Borrow up to 100% of the purchase price after discount.
* The rate and loan-to-value ratio offered will depend on your individual circumstances.
  4.6/5 average rating by independent customer feedback

We can often help when others won’t

We don’t rely on credit scores alone when deciding whether or not to approve a mortgage application.

We understand that real lives rarely fit conveniently into tickboxes. So we look at every application on its merits, and use our common sense.

It’s an approach we’ve been applying for over 40 years. In that time, we’ve helped hundreds of people buy their council homes. So they can create a future for their families, and make happy memories for years to come.

No deposit?

Depending on your circumstances, you could borrow up to 100% of the purchase price, after factoring in your discount - because we'll treat it as your deposit. You have the option to add any arrangement fees to what you borrow, and we won’t charge you for a valuation or using our solicitors.

If you wish, we could fix your interest rate for 5 years, so your payments won’t change even if interest rates change. And if you ever decide to remortgage somewhere else, our Right to Buy mortgages have no Early Repayment Charges.

What happens next

See our step by step guide Right to Buy explained, step-by-step >

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.

If you want to find out more, get in touch with our team:

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

You are likely to repay more overall if you select a longer-term mortgage to reduce your monthly payments.

Personal mortgage FAQs

Helping you find the right answers to our personal mortgages.

Find out more

Step by step process

Getting a Right-to-Buy mortgage in 6 simple steps

Find out more

Personal lending enquiry

Talk to our expert personal finance team today.

Find out more

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Customer Rating 4.6

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