Right to Buy Mortgages

If you're a council or housing association tenant, the Right to Buy scheme could allow you to purchase your home at a discount. At WIS Mortgages, we help eligible tenants navigate the process and secure a suitable mortgage—with no broker fees and expert, whole-of-market advice.

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Key Benefits

Buy Your Home at a Discount:

Save up to £96,000 (£127,900 in London) off the full market value.

Use Your Discount as a Deposit:

Many lenders accept the Right to Buy discount in place of a cash deposit.

No Moving Required:

Become a homeowner without relocating—ideal if you love your current home.

Build Equity:

Start investing in your future through homeownership.

Free Mortgage Advice:

WIS Mortgages offers fee-free support from start to finish.

Eligibility Criteria and Requirements.

Who Can Apply?

Are a council or housing association tenant in England
Have had a public sector tenancy for 3+ years (not necessarily consecutive)
Use the property as your main residence
Do not have serious rent arrears or pending bankruptcy

What are the Requirements?

Right to Buy offer letter (Section 125 notice)
Tenancy history documentation
Proof of income (payslips or self-employed accounts)
Bank statements (usually 3–6 months)
Photo ID and proof of address

Please note: Meeting these criteria does not guarantee mortgage approval. All applications are subject to underwriting and affordability checks by the lender.

Instant Mortgage Quoting

Use the quick and simple quotation system to get a mortgage quote in seconds.

How the Application Process Work?

Applying for a mortgage through our service is straightforward

Book an Appointment

Book an appointment with one of our advisers to discuss your mortgage requirements. Be transparent about your situation so we make the whole journey much smoother for you.

Download MortgagX app

Download MortgagX app, fill in a few key details, select the recommended mortgage product, upload your documents and relax till we get your mortgage sorted.

Completion

Enter your new dream home!

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Processing times vary depending on lender efficiency and individual case complexity.

Important Information And Regulatory Disclosure

Risk Warning

Your property may be repossessed if you do not keep up repayments on your mortgage.

FCA Authorisation

This service is provided by WIS Mortgages, which is authorised and regulated by the Financial Conduct Authority.

Fee & Commission Disclosure

We act as a mortgage intermediary and may receive commission from lenders. A fee may be payable for mortgage advice, which will be disclosed clearly in advance.

Adviser Disclosure

This content is for informational purposes and does not constitute personalised financial advice. Mortgage advice will be provided after assessing your individual circumstances.

Frequently Asked Questions

Find answers to some of the most common questions about mortgages, applications, and our services.

Many mainstream banks and building societies, including Halifax, Santander, and Leeds Building Society, support the scheme.

Yes. Some lenders allow the Right to Buy discount to count as your deposit, meaning no upfront cash may be needed.

A good credit history helps, but some lenders may still consider you with minor issues—speak to us for tailored advice.

Yes, but if you sell within 5 years, you may have to repay some or all of the discount.

It can take 2 to 6 months, depending on how quickly your landlord processes the application and how fast your mortgage is approved.

Yes. In fact, using a gifted deposit can improve your borrowing options and reduce the loan-to-value ratio.

Yes. Lenders will typically arrange their own independent valuation to confirm the property’s value and ensure it meets lending standards.

If you sell within 5 years, you’ll likely have to repay all or part of the discount, on a sliding scale.

Yes. You can apply jointly with family members or a partner, even if they’re not a tenant, as long as they meet the lender’s criteria.

Yes. Some properties—such as those adapted for elderly or disabled residents—may be excluded from the scheme.

Want to Talk it Through?

020 3011 1986 help@wismortgages.co.uk

We will be delighted to speak with you on the phone through our live chat feature now.

*Call us from Monday to Friday (9am to 6.30pm) and Saturday (9.30am - 3pm) We accept applications over the phone