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Right to Buy Mortgage
Advice in Lincoln

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Right to Buy Mortgage
Advice in Lincoln

Transition from tenant to homeowner with a Right to Buy in Lincoln. Speak to mortgage expert today to discuss your options.

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What is Right to Buy in Lincoln?

The Right to Buy Scheme allows tenants in England to purchase their council property partially discounted, if they fit the criteria to be eligible for the scheme.

As long as you have spent at least 3 years renting from the local council or housing association and are secure tenants of council property, you may be eligible for the government Right to Buy Scheme.

These 3 years do not necessarily have to be consecutive, though this varies depending on the situation. It is always worth getting in touch with a Mortgage Advisor in Lincoln to check your eligibility. You can also check the government Own Your Home website to keep updated with rules and regulations regarding this scheme.

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Right to Buy Mortgage <br>Advice in Lincoln

Purchase your house under the Right to Buy in Lincoln.

In the right to buy sale, the property will be valued at full market price and then a government discount applied before purchase.

Our Mortgage Advisors in Lincoln can help you achieve your home-owning goal by using their knowledge and experience within the mortgage industry to provide expert Right to Buy Mortgage Advice in Lincoln.

What is the process of a Right to Buy discount in Lincoln?

The process begins with you checking that you are eligible and requesting an application form from the council. Once you qualify, you will receive an offer notice which sets out the property value and your discount. You then have a set period to accept this offer.

As an open and honest Mortgage Broker in Lincoln, we can help with your mortgage, solicitors and survey as and when required. As part of our initial free mortgage consultation, we can give you an idea of how much your mortgage will cost and if you qualify.

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FAQs for Right to Buy in Lincoln

Do I need a deposit for a Right to Buy mortgage in Lincoln?

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Most lenders will take the discount as a deposit, however, some will require you to put in your own money too. It’s worth speaking to a Mortgage Advisor in Lincoln like us to find a suitable mortgage that best suits your needs.

The local authority has set criteria that help them work out the discount, such as how long you’ve been a tenant within the public sector, what type of property you are looking to purchase and how much the property is worth.

There are also options to look at borrowing additional funds for home improvements such as new windows, doors and conservatories, but you will need to seek permission from your local authority.


What is the mortgage process for a Right to Buy Lincoln?

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The Right to Buy is a government program that allows council tenants to buy their homes at a discount. The mortgage process for a Right to Buy purchase is similar to the process of buying any other property, but there are some specific steps and considerations to keep in mind.

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Our Right to Buy Mortgage Process

Free 30-Minute Mortgage Appointment

Step 1

Having a conversation with an expert mortgage advisor in Lincoln is essential to discuss your mortgage scenario.

We Can Search 1000s of Mortgage Deals

Step 2

With a wide selection of lenders offering specialised products designed specifically for those utilising the right to buy scheme.

Submit Your Mortgage Application

Step 3

Our committed mortgage advisor in Lincoln will handle the submission of your mortgage application and organize any additional documentation required by the lender.

Protecting You and Your Mortgage

Step 4

Alongside finding the most suitable mortgage deal, we are good at assisting those looking for insurance coverage to protect you and your loved ones financially.

Our Simple Right to Buy Process

Free Mortgage Appointment

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From your initial phone call to completion, your dedicated Mortgage Advisor in Lincoln will be alongside you, ready to answer any questions you may have.

1000s of Deals

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Unlike a bank or building society, our team of Mortgage Advisors in Lincoln can search through 1000’s of mortgage deals to find you the most suitable one for your circumstances.

Our Service

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Our goal as a Mortgage Broker in Lincoln is to help anyone who comes to us for Mortgage Advice in Lincoln, and this includes those looking to utilise the Right to Buy Scheme. We can also assist with conveyancing solicitors, helping decide on which survey would be the best.

7 Days a Week

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The Right to Buy process is not always easy. We aim to help you over any hurdles we face. Our Mortgage Advice in Lincoln are available 7 days a week, morning, afternoon, evening or weekend; we work around you.

Malcolm and Amy Davidson - Mortgage Advice Lincoln

We Search 1000s of Right to Buy Mortgages in Lincoln

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Common Right to Buy Mortgage Scenarios

Checking Eligibility

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First, you need to contact and speak to either the council or housing association that owns your property and see if you are eligible for the Right to Buy Scheme. Next, they will ask you a series of questions to make sure you match up against the criteria.

Purchase Price

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Next, once you know that you qualify for the scheme, your local authority will offer you a price to buy the property, you don’t need to give them an answer straight away, you usually get a set time to make a decision.

Start Your Application

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Once you have got your discounted purchase price from the local authority it is then time to contact your Mortgage Broker in Lincoln to check your eligibility and affordability for a mortgage.

Once we have found you a suitable deal you can then apply to your local authority confirming that you would like to purchase the property, we can then process your full mortgage application.

Mortgage Broker in Lincoln

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If you are considering purchasing the property, you are currently renting through your local authority or housing association and have checked if you are eligible to qualify for the Right to Buy Scheme and know the amount of discount that will be applied.

Contact a Mortgage Advisor in Lincoln as we can check your eligibility for a mortgage, including gathering information on your income and expenditure to work out if a mortgage is viable and affordable.

Find out more information about the Right to Buy Scheme. Check out the Government ownyourhome website.

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