Right to Buy Mortgages
Right to Buy Mortgages make owning your council home achievable. Expert advice, tailored solutions, and full support through the process.
Right to Buy Mortgages Advice
If you’re looking to purchase your council home through the Government’s Right to Buy scheme, we are here to help. This scheme allows eligible council tenants to buy their homes at a discounted price, making homeownership more accessible than ever. At Bradgate Financial Solutions, we guide you through the process from start to finish, ensuring you secure the best mortgage for your situation.
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How Does the Right to Buy Mortgages Scheme Work?
The Right to Buy scheme enables council tenants to purchase their rented homes, often with significant discounts.
You must have been a council tenant for at least three years, though these do not need to be consecutive.
Depending on your tenancy length, you could qualify for discounts of up to 70% off the market value of the property (subject to caps).
A Right to Buy mortgage helps cover the remaining cost of the property after the discount has been applied.
Our expert team will assess your eligibility and find the most suitable mortgage product for your needs.
Benefits of a Right to Buy Mortgage
Purchasing your council home offers several advantages:
Bradgate Financial Solutions
Our Comprehensive Right to Buy Mortgage Service
We ensure your Right to Buy journey is smooth and stress-free with our full-service approach. Your experience begins with a free consultation, where one of our qualified advisors discusses your options and assesses your eligibility for the scheme. From there, we conduct thorough research across the whole mortgage market to identify the best deal tailored to your unique situation.
Once we’ve pinpointed the most suitable mortgage and any relevant government-backed schemes, we guide you through the entire application process. Our team manages the paperwork, liaises with solicitors and estate agents, and keeps you informed every step of the way. From your initial inquiry to moving into your new home, we are committed to providing seamless and supportive service.
Our Mortgage Solutions
We also offer a wide range of mortgage options to suit diverse needs:
- First Time Buyer Mortgages: Ideal for those entering the property market for the first time.
- Home Mover and Purchase Mortgages: Designed for those moving to their next property, these mortgages streamline the process of buying a new home.
- Remortgages: Helping you switch to a better rate, release equity, or consolidate debts.
- Self-Employed Mortgages: Tailored options for business owners and freelancers with varying income streams.
- Adverse Credit Mortgages: Solutions for individuals with poor credit history to secure a mortgage.
- Buy to Let Mortgages: Designed for property investors looking to rent out residential properties.
- Portfolio Mortgages: Simplifies financing for landlords managing multiple rental properties.
- Self-Build Mortgages: Provides funding for constructing your own home.
- Ex-Pat Mortgages: Assistance for UK nationals living abroad who want to purchase property in the UK.
Common Questions About Right to Buy Mortgages
Am I eligible for the Right to Buy scheme?
How much discount can I get?
Can I use a Right to Buy mortgage for the purchase?
Are there restrictions on selling the property later?
Can I buy with a joint applicant?
At Bradgate FS we aim to make choosing and applying for a mortgage, protection, loan or insurance as stress-free as possible.
If you’ve always dreamed of owning your council home, now is the time to act. Contact Bradgate Financial Solutions for a free consultation and expert advice on securing the perfect Right to Buy mortgage. With our guidance, homeownership is closer than you think.