Right to Buy Mortgages

Purchase your council or housing association home at a significant discount. Your discount can be used as your deposit, meaning you may not need any savings.

FCA Regulated

Extensive Lender Panel

Based in Uxbridge

UK Wide Coverage

24hr Response

5★ Reviews

Buy Your Council Home

The Right to Buy scheme gives eligible council tenants the right to purchase their home at a discount of up to £96,000 (or £127,900 in London boroughs). In many cases, the discount is large enough to serve as your entire deposit, meaning you may be able to buy your home with no savings at all. We have extensive experience arranging Right to Buy mortgages.

How We Help

Use your Right to Buy discount as a deposit, no savings needed in many cases

100% financing of the discounted purchase price where suitable

Lenders who understand and specialise in Right to Buy applications

Adverse credit considered. You don't need a perfect credit score

Self-employed and contractor income accepted

Joint applications with family members where appropriate

Help with the application process to your council or housing association

Get Expert Advice

Free, no-obligation consultation. We'll be in touch within 24 hours.

How It Works

Initial Consultation

We discuss your situation, income, goals and any concerns, at our expense and without obligation.

Market Search

We search our extensive lender panel including specialist lenders to find the best deal.

Application

We prepare and submit your application, managing all lender communications.

Completion

We coordinate with solicitors and the lender through to completion day.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Chess Mortgages is a trading style of Chess Property Services (London) Limited (Company No. 6575229), authorised and regulated by the Financial Conduct Authority (FCA No. 748976).

Related Services

First Time Buyers

First-time buyer mortgage advice.

Learn more

Shared Ownership

Buy a share of a property.

Learn more

Adverse Credit

Mortgages for complex credit.

Learn more

Frequently Asked Questions

How much discount do I get?

The discount depends on how long you've been a tenant, the type of property and your location. In London, the maximum discount is currently £127,900. Outside London, it's £96,000. Your council will confirm your exact discount.

Do I need a deposit?

In many cases, your Right to Buy discount acts as your deposit. If your discount is large enough, you may not need any additional savings. We'll confirm your options.

Can I get a Right to Buy mortgage with bad credit?

Yes. Some specialist lenders consider adverse credit Right to Buy applications. Your discount as a deposit helps offset the higher risk profile.

Ready to Get Started?

Speak with one of our expert advisers today, initial consultation at our expense, and without obligation.

Book a Consultation 0208 756 1 756