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Right to buy

The Right To Buy scheme enables Local Authority secure tenants with a minimum of 2 years tenancy to buy their current home at a discounted price. It is targeted at long standing public tenants, with the Right To Buy discount increasing in proportion to the years that rent has been paid.

Not all mortgage lenders will consider Right to buy mortgages but those that will can often lend up to 100% of the discounted purchase price and in some cases more for specific purposes.

When calculating your loan to value they will work on the open market valuation so for example if this is £100,000 and the discounted purchase price is £75,000 and you are looking to borrow £75,000 the loan to value is 75%, which means more favourable products are available.

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