top of page

Do I qualify?

If you have been a council or public sector tenant for at least three years, then you should have the Right to Buy your council property.


You do not need to have done three years in a row, just three years in total.  


The three year qualification period can be made up of time spent in council, housing association or armed forces accommodation.

Council Right to Buy Mortgage
You may be able to borrow extra funds for home improvements

Who can apply for the Right to Buy?

Right to Buy Mortgages

Only the tenant(s) have the Right to Buy, although they can share the Right to Buy with a family member who has lived at the property for at least 12 months.

This could be your partner, children or grandchildren.  The age of the oldest family member need not be a problem.


Why not call us on 0800 988 7199 to discuss your individual situation?

Buying your council property could be a future inheritance for your children

What discount will I be entitled to?

The discount you will be entitled to depends on whether your property is a house or a flat/maisonette and how many years you have been a tenant.  Click here for further information.

It will also depend on which part of the country you live in.  The maximum discount currently available to tenants living in London is £127,940 and £96,010 outside of London.


To find out how much your property is worth and how much you may be able to buy it for, why not call us on 0800 988 7199?

Right to Buy Mortgages

Can I get a mortgage?

To obtain a mortgage these days can often be quite difficult.  You will need to have some element of earned income, although we have lenders that will take into account various benefits such as universal credit, child tax credits, pension income and disability benefits.  


We also have lenders that would consider you even if you are on a zero hours contract, self employed, a contract worker or agency worker.


You could also purchase your property based entirely on your pension income.


In order to obtain the best mortgage rates available you will need to have a good credit history. However, if you have had credit issues such as defaults, County Court Judgements or have been previously bankrupt, we may still be able to obtain a mortgage for you.  


Why not call us on 0800 988 7199 to discuss your own personal situation?

No deposit required. The council discount will act as your deposit

"Berkley Vittoria provided an excellent service, my adviser was very prompt and professional.  We will be using your service again in the future and recommend you to friends and family.  Thank you so much for all your help and patience".                             
T Samad, London

Right to Buy Mortgage
bottom of page