Right To Buy

Right TO BUY

Right to Buy lets eligible council tenants purchase their home at a discount, turning renting into ownership with long-term security.

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What Is Right To Buy Scheme?

Right to Buy allows eligible tenants to buy their council or housing association property at a reduced price. The discount depends on the length of your tenancy and the type of property you live in.

By using this scheme, you can move from renting to owning, giving you the freedom to personalise your home and plan for the future.

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How the Scheme Works

You submit an application to your landlord, confirming your interest in buying your home.

If approved, you receive an offer notice detailing your discount and purchase price.

You arrange a mortgage to fund the purchase, if needed, just like any other home purchase.

Once the purchase is complete, the property is yours and you are responsible for mortgage repayments, maintenance, and insurance.

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Things to Consider

Benefits

Discounted Purchase Price

The scheme reduces the cost of buying your home based on your tenancy length.

Long-Term Security

Owning your home provides stability compared to renting.

Freedom and Control

You can personalise your property and make improvements as you see fit.

An Asset

Your home becomes an investment you can use in the future.

Risks

Property Value Changes:

The value of your home can fluctuate, affecting your equity.

Mortgage Responsibilityerty choices

You’re responsible for repayments, falling behind could lead to repossession.

Repaying the Discount

If you sell your home within a set period, part of your discount may need to be repaid.

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How to Apply

Check Eligibility

Start by confirming your tenancy length and property type with your landlord or a UKMC adviser.

Submit an Application

Complete the Right to Buy application through your landlord. You’ll need tenancy details and basic financial information.

Receive Your Offer

If eligible, you’ll get an offer notice showing your discounted purchase price and next steps.

Arrange a Mortgage

UKMC can help you find and apply for a mortgage that covers the discounted price, tailored to your finances.

Complete Your Purchase

Once approved, contracts are exchanged, and you become the legal owner of your home. UKMC will guide you through completion to ensure everything runs smoothly.

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Why Choose UKMC

Simple, Straightforward Approach

We make the mortgage process easy to understand. From start to finish, we’ll guide you through every step of buying your first home, leaving you free to think about the fun parts, like choosing furniture, décor, or working out where the TV goes.

Thousands of Products

We search the whole market, comparing thousands of mortgage deals. Whether your income has changed or your deposit is smaller than expected, we’ll find a solution that fits your situation.

Dedicated Case Manager

From your first call, you’ll have a dedicated mortgage advisor and case manager. They’ll liaise with lenders, surveyors, and solicitors on your behalf, making the process smoother and saving you time.

Free Property Insights and Reports

With our online portal, you can quickly access detailed reports about your chosen property, making it easier to make informed decisions. Reports include:

• Broadband speeds – Check connectivity before moving in.
• Energy efficiency rating – Know how much your bills might be.
• Local property trends – See prices in your postcode and compare similar homes.
• Area insights – Find out about crime rates, common professions, and property types nearby.
• Environmental info – Flood risk, geology, radon, and nearby infrastructure projects.

Plus, our handy home-buying checklist keeps you organised at every step.

Flexible Appointment Options

Life can be hectic, and we get it, especially if you’re juggling a 9–5. That’s why we offer late-night appointments five days a week. We’ll work around your schedule, so getting advice is easy and stress-free.

Who Can Apply

To be eligible for Right to Buy you generally need to:

Have been a public sector tenant for at least three years (the time doesn’t have to be continuous).

Live in the property as your main and only home. Be a secure tenant of a council or qualifying housing association.

Meet any specific rules for sheltered housing or properties designed for older or disabled people, where applicable.

You can also make a joint application with someone who shares your tenancy or up to three family members who have lived with you for at least the previous 12 months.

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what our clients saying about us

At the end of my tether I was introduced to Sam from UKMC.  

Previous advisors had failed to find me any deals worth looking at and I was feeling most despondent. Destined to continue paying waaaay too much for my mortgage.

Louis Paquet

Creative Director, TUX Creative Co

Louis Paquet

Creative Director, TUX Creative Co

Louis Paquet

Creative Director, TUX Creative Co

Frequently asked questions

Got questions? Let’s answer them

What is Right to Buy?

Right to Buy lets eligible council tenants buy the home they live in at a discounted price.

Who can apply?

Public sector tenants who have been in the property for at least three years and live there as their main residence. Joint applications are possible with family members or other tenants.

Do I need a mortgage?

Yes, unless you already have enough savings to cover the discounted price. UKMC can help you find a suitable mortgage.

What happens if I sell soon after buying?

If you sell within the discount repayment period, part of the discount may need to be repaid to your landlord.

Can I personalise my home?

Yes. Once purchased, the property is yours to modify and improve as you wish.

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