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Right to Buy mortgage advice for council and housing association tenants

Support with discount rules, lender criteria, deposit treatment and the route to buying your home.

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Overview

Build a clear Right to Buy mortgage plan

Right to Buy applications involve scheme steps and lender checks. The discount, purchase price, property valuation and tenancy details all matter. AJM can help you compare the mortgage position and plan when an application may be ready to submit.

Before you apply

What to understand and prepare

Key points

  • Whether you have received the formal Right to Buy offer and purchase price.
  • How the discount is treated by the lender and whether extra deposit is needed.
  • Property type, lease details and any repairs or valuation issues.
  • Your income, credit history and ongoing affordability after becoming the owner.

Documents that may help

  • Right to Buy offer notice and details of the discount.
  • Tenancy information, property details and any valuation details.
  • Income evidence, bank statements and identification documents.

How AJM helps

  • Discount and deposit treatment
  • Application timing
Practical guidance

Common questions about right to buy mortgages

Can the Right to Buy discount count towards the deposit?

Some lenders may treat the discount as part of the deposit position, but criteria vary. AJM can check lender appetite before you apply.

Should I wait for the formal offer before speaking to AJM?

You can speak earlier to understand the likely affordability, but the formal offer is usually needed before a full application.

When should I speak to AJM?

If you are unsure which route fits, AJM can review the basics and point you towards the next sensible step.