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The Right to Buy scheme was introduced by the government to allow people living in council-owned properties the opportunity to buy them at a discounted price.
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.
You are eligible for the Right to Buy scheme if you are a secure tenant of council property and have spent at least 3 years as a public sector tenant. These three years don’t have to be consecutive.
There are multiple factors that will determine what price you will pay for the property.
The government are most likely to take into account things like how long you’ve lived there, where you are in the country and how long you’ve been a council tenant etc.
For an accurate figure, please get in touch with our mortgage advisors in Halifax.
Alternately, to keep yourself updated with the rules and regulations, you can also check out the government Own Your Home website.
One big advantage of a Right to Buy mortgage is that it is most likely that there is already equity in the house, this could knock some off your house price or be used as part of your deposit.
Often when purchasing a Right to Buy you will be a first time buyer, we love working with first time buyers!
As your friendly Right to Buy mortgage broker in Halifax, we are here through every step of the process, from your initial enquiry through to completion.
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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196 5 Star Reviews
Alex Campbell
Amazing help from these guys, we are first time buyers and Warren was our dedicated Morgate advisor and he made the whole process seem easy and straightforward, he went above and beyond to help me and my partner and explained it all in great detail, best of all he was very down to earth and gave it to us strait. Would 100% recommend
15 Jul 2026
Steve Taylor
Excellent Customer Service from initially Dan who arranged our Lifetime Mortgage. The members of the Admin Team were always friendly and helpful. Special mention to Kerry Bewell for her willingness, post-completion, to help when needed. I would definitely recommend UK Moneyman to others.
6 Jul 2026
Dan
Couldn't recommend more! Conor's service was excellent from start to finish and make the process as easy and smooth as possible especially since we didn't even know where to start.
6 Jul 2026
Eva Elliott
We used money man to help us find a mortgage for our first house nearly 7 years ago. They were brilliant at helping us navigate as self employed people. We are just about to use them for our next house!
1 Jul 2026
Rob Shireby
Chris, Ami and Malcolm are all great people, very good experience.
24 Jun 2026
keith mantle
UKmoneyman helped us to obtain a mortgage.. They are a professional and helpful companywho we would reccomend to anyone seeking a mortgage Regards, Keith & Sandra Mantle
12 Jun 2026
Adam Bateman
Just wanted to comment on the experience I have had dealing with uk moneyman for my re mortgage. The team have been excellent throughout, special shout out to Stacy Waudby who has been a pleasure to deal with and has really been pro-active and helpful. I would definitely recommend them to anybody looking for independent mortgage advice
9 Jun 2026
amber sheridan
Ami has been great. She explained everything clearly and answered all of our questions (silly or not). Communication was great, genuinely couldn't recommend this service or our advisor Ami more.
28 May 2026
Keith Hirst
UK Moneyman have helped with my mortgage and remortgage for many years. Always really helpful and knowledgeable. My latest remortgage was done with Conor, who was great at making sure I was getting not just the best deal, but the right deal for my needs.
22 May 2026
Victor Abrams
I found Warren Bailey to be a very helpful and knowledgeable advisor when I discussed with him the potential options for a retirement mortgage . He had contacted me within a day of my seeking an initial conversation with him , and he reassured me there were lenders out there who would consider a mortgage paid out of pension , despite my own bank nort even talking to me as I was over 70 ! Within a couple days Warren had led me through the onboarding process , had explained what documents were needed and had found me a lender suited to my requirements. An excellent experience, and I would recommend him strongly to people looking for a retirement mortgage, and generally . Victor Abrams
15 May 2026
Engaging in a discussion with a knowledgeable mortgage advisor in Halifax is important to explore and address your specific mortgage situation.
A diverse range of lenders provides tailored products for individuals leveraging the Right to Buy scheme, offering a wide array of specialised options.
Our dedicated mortgage advisor in Halifax takes charge of the seamless submission of your mortgage application and ensures all necessary documentation requested by the lender is well-organised.
Beyond securing the most fitting mortgage deal, we excel in aiding individuals seeking insurance coverage to provide financial protection for themselves and their loved ones.
We offer a free initial mortgage appointment to every customer, which you can book online via our new booking system. Simply select a date and time that suits you and your busy schedule.
Alternatively, give our team a call and we can book your free initial mortgage appointment over the phone.
Our mortgage advisors in Halifax can search through 1000s of mortgage deals to find the perfect product for your personal and financial situation.
As a Right to Buy applicant, you can access many different kinds of products, let us help you find that deal!
Our friendly mortgage advisors in Halifax are here 7 days a week to answer all of your mortgage questions, getting through to an advisor will never be a problem.
Contact us today for expert Right to Buy mortgage advice in Halifax.
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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Halifaxmoneyman 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.
© Halifaxmoneyman 2009–2026
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Halifaxmoneyman 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.
© Halifaxmoneyman 2009–2026
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