Step by step process

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

  • Step 1

    S125 from your landlord

    Step 1

    Picture of a purple circle with a yellow document icon in the middle.

    S125 from your landlord

    You’ll need to apply to your landlord to check you’re eligible for Right to Buy and if you are you’ll receive an offer notice (S125) within 8 weeks for a house and 12 weeks for a leasehold property. Once you’re happy with your offer, get in touch with us where one of our qualified mortgage advisers will guide you through each step of the process.

  • Step 2

    Mortgage illustration

    Step 2

    enquire

    Mortgage illustration

    We’ll make sure we understand your circumstances fully before recommending a suitable mortgage. If you’re happy, you’ll receive a ‘mortgage illustration’ providing all the relevant details about the product you’re applying for.

  • Step 3

    Application process

    Step 3

    application

    Application process

    Our mortgage advisers will take you through the full application process. We’ll tell you exactly what you need to do, and when, including sending us supporting documentation. For example, proof of income in the form of wage slips or your accounts and your completed Section 125 form (S125). When we have everything we need, we’ll assess your application and supporting information.

  • Step 4

    Surveyor visit

    Step 4

    Picture of a purple circle with a yellow checklist icon in the middle of it.

    Surveyor visit

    A surveyor will visit the property to ensure it’s mortgage-worthy. (This step may not apply in every single case.) 

  • Step 5

    Mortgage offer

    Step 5

    Together - Auction Finance

    Mortgage offer

    If it is, we’ll make you a mortgage offer, which means we’ve accepted your mortgage application.

  • Step 6

    Completion

    Step 6

    Picture of a purple circle with a yellow house icon in the middle of it.

    Completion

    Completion is the date you’ll officially own your home. We’ll transfer your mortgage funds to the council. Congratulations, you’re no longer a tenant!

Build: 1.3.7.17593