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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 for a mortgage.
Alternately, to keep yourself updated with the rules and regulations, you can also check out the government Own Your Home website.
In the right to buy sale, the property will be valued at full market price and then a government discount applied before purchase.
The discounted price can be influenced by the property’s market value, the length of time you’ve been a public sector tenant, the location you are in and the type of property you are buying.
The specific calculations can vary, so it’s always worth checking with someone to know the specifics of what you may be entitled to.
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.
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 initial mortgage consultation, we can give you an idea of how much your mortgage will cost and if you qualify.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
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Hind
Leo Shakespeare and the admin team from LincolnMoneyman were excellent in securing a mortgage offer for us. I could not recommend them enough. Leo was always punctual with his telephone appointments and never rushed; he took the time to fully...
Gemma
Excellent support, proactive throughout and worked hard to get us the best possible deal. Would definitely recommend.
Ross
Excellent service from Malcolm and the team, they helped us secure a mortgage deal on our dream home.
Mr Graham
Thank you to Lincoln Moneyman. They were very helpful and gave excellent advice at every part of the process.
Stuart
Made transferring my mortgage to a new deal so easy
Kirsty
Really helpful as a first time buyer for advice and guidance. Jason helped me every step of the process and gave me a clear idea of what to expect. Jo was also very quick to get my final mortgage approval sorted, so I can only recommend Lincoln...
William
Great service! Always making remortgage easy while walking me though all of my options in detail.
Alwyn
The service was excellent. Everything was explained clearly and all efforts made to find me the best deal. Friendly and great communication throughout. Thank-you for the help!
Tristan
They have taken on all I could not and more. Very thankful
Samantha
Excellent service, always available when required and made the process hassle free.
Having a conversation with an expert mortgage advisor in Lincoln is essential to discuss your mortgage scenario.
With a wide selection of lenders offering specialised products designed specifically for those utilising the right to buy scheme.
Our committed mortgage advisor in Lincoln will handle the submission of your mortgage application and organize any additional documentation required by the lender.
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.
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.
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 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.
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.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Lincolnmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Lincolnmoneyman 2009–2026
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Lincolnmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Lincolnmoneyman 2009–2026
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