Speak to an Advisor 7 days, 8am - 10pm
Speak to an Advisor 7 days, 8am - 10pm
The Right to Buy Scheme allows people that live in council houses the right to buy their home at an often generous discount. We’re able to help you with the whole Right to Buy process.
If you have been a Local Authority tenant for a couple of years, you may be eligible for the Right to Buy. You will receive a discount from the open market value if you decide to go for the property, if you have any equity in your property it could act as your deposit.
Additionally, some Lenders will allow you to borrow additional money for Home Improvements. The Local Authority must permit you to do the works.
Many council estates have the majority of homes privately owned now; thousands of people opted to buy to benefit from the offer discounts. Many Homeowners got onto the property ladder via Right to Buy.
It’s worth speaking to a mortgage broker in London to help find you a suitable mortgage, solicitors and survey as and when required.
Firstly, you need to see if you qualify to buy the property. You need to obtain an application form (RTB1), and then the Local Authority will send someone out to value your property to let you know how much it is worth. They will then calculate the percentage discount you are entitled to and write to you to offer you the chance to proceed.
In terms of how to get a Right to Buy Mortgage, the very first thing you need to do is to fill in an application form (RTB1) to see if you qualify and if you do then the Local Authority will send out a valuer to see how much your home would be worth on the open market. Our mortgage advisor in London. can search 1000’s of deals to find you the most suitable Right to Buy mortgage for your circumstances.
If you wish to proceed, the next step is to sign and return the form within the pack sent to you by the Local Authority and then set about trying to get a mortgage.
We have had the pleasure of helping many Right to Buy applicants in the past by finding the perfect mortgage product for their property. We are able to search through 1000s of mortgages on your behalf in order to find a deal tailored to your personal and financial circumstances.
Via our panel of lenders, we have access to high street and specialist products. These products include fixed rates, variable rates, interest only deals, tracker mortgages etc., we will make sure that you are happy with the type of right to buy mortgage we recommend before preparing your mortgage application.
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.
Our Customers Love Us
195 5 Star Reviews
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
Julie Brake
We would have given them 20 stars. Both Warren & Lizzi have worked so hard on our behalf, in what has not been the smoothest of circumstances. They have been so professional and kept us updated. Would thoroughly recommend this company. With grateful thanks in getting us our mortgage.
12 May 2026
Discuss your current situation and what you’re looking to achieve with an expert mortgage advisor in London.
During this appointment, your advisor will take information surrounding your income and expenditure to work out your affordability.
If you qualify for the Right to Buy scheme, your mortgage advisor in London will help you with your application.
Once you submit your Right to Buy application, all that is left to do is to wait for an offer!
Once you have received an offer to purchase your Right to Buy property, your mortgage advisor in London will help find a suitable mortgage product for your new home.
Once they find you a product that you are happy with, we can move on to submit your mortgage application.
Throughout your process, a dedicated case manager will keep you informed across every step, through to when you receive your formal mortgage offer and complete your Right to Buy purchase.
Our service doesn’t end here. As well as securing you the most suitable mortgage deal, we will also recommend relevant insurances to keep you and your family protected.
We will also reach out to you when your mortgage is due for renewal to make sure that you are always on the most suitable deal.
If you are considering buying your current rental property from your local authority, definitely take a look to see if you are eligible first and also find out what the discount on the property will be.
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.
Once you have figured out what the purchase price is going to be, you should next look at getting in touch with a Mortgage Broker in London, as our mortgage advisors in London will be able to match you up against various lending criteria, in order to find the most suitable mortgage deal for you.
This process includes collecting information of your income and your spending habits, in order to determine your ability to afford a mortgage on a property.
Unlike the mortgage advisors that are available at a bank or building society, our expert team of mortgage advisors in London are able to access 1000s of mortgage deals that they will search through to match you up against, finding you the most suitable deal for your circumstances.
As a mortgage broker in London with a strong reputation for providing customers with a high level of Mortgage Advice in London, we will always do our best to ensure our customers find mortgage success. This includes those who are looking to make use of a Right to Buy in London.
Your trusted mortgage advisor in London will be there to offer guidance and support, right the way through until your mortgage completes, remaining on hand to answer all of your mortgage queries.
We also can help you out with conveyancing solicitors, advising on the most suitable property surveys to take. If you require any assistance with any other services, please speak to your mortgage advisor and we’ll see how else we are able to help.
We will always be here to help anyone who is in need of mortgage advice in London, every day of the week! The process of a Right to Buy in London can often mean getting over various hurdles. We aim to help you over those on the way to mortgage success. It is always our goal to reduce your stress levels.
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.
Download For Free
Read our 15 Reviews
Londonmoneyman 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.
© Londonmoneyman 2009–2026
Contact
Follow Us
Londonmoneyman 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.
© Londonmoneyman 2009–2026
Speak to an Advisor
7 Days a Week, 8am – 10pm
We value your privacy
This website uses cookies. If you continue to use the site, we will assume that you agree with our use of cookies.
