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Buying through Right to Buy?

Own the council house or flat you
already love.

  • 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

In order to best support our existing customers in these unprecedented times, we have made the difficult decision to stop accepting new product applications for the time being.
If you already have an application in progress with us and wish to discuss it, please get in touch with your introducing broker or contact us on 0161 933 7113.

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


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.


Overall cost for comparison

For example: A mortgage of £106,800 payable over 17 years, initially on a fixed rate for 5 years at 5.6% (and then on a tracker rate for the remaining 12 years at 0.5% above the Together Homeowner Managed Rate (THMR)) would require 60 instalments of £833.14 followed by 144 monthly payments of £822.03 plus a redemption administration fee of £110.00.

The total amount payable would be £168,471 made up of the loan amount (£106,800) plus interest on the loan (£57,455), arrangement fee (£2,670) plus interest on this fee (£1,436) and the redemption administration fee (£110.00).

The overall cost for comparison is 6% APRC representative.

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



In order to best support our existing customers in these unprecedented times, we have made the difficult decision to stop accepting new product applications for the time being.
If you already have an application in progress with us and wish to discuss it, please get in touch with your introducing broker or contact us on 0161 933 7113.

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.

Build: 1.3.7.20756