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The guidance and/or advice contained within this website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK only.

The 1981 Housing Act allows council tenants the chance to buy the property they live in from the local authority.

Most Council Tenants have "the Right To Buy" their home. The right to buy scheme means you can buy your home from a local authority, a non-charitable housing association or a housing action trust.

Under the right-to-buy scheme, council tenants are entitled to a discount on the value of their house after they have lived in it for two years, followed by a further deduction for each additional year, up to a maximum of £38,000.

To qualify for a Right to buy Mortgage Loan you must:


We have a number of schemes available for tenants wishing to purchase under the right to buy scheme, even if your credit history is less than perfect. We can provide mortgages of up to 85% of the value of your property, thus enabling you to raise additional capital for any purpose, including debt consolidation or home improvements etc. We specialise in providing right to buy mortgages even if you have credit problems or are self-employed etc. Call us on 01625 503000, or apply here.

About Adverse Credit Mortgages About Remortgages About Right to Buy Mortgages

The overall cost for comparison is 6.1% APR. The actual rate available will depend on your circumstances. Ask for a personalised illustration. Adding existing debts to your mortgage will both extend the repayment term and increase the overall cost of the debt.

There will be a fee charged for mortgage advice. Our typical fee is £2500 for all types of mortgages except Lifetime Mortgages, which will be charged at £395 + 2% of the total loan amount. Example: a £50,000 lifetime mortgage loan, the fee payable would be £395 + 2% of £50,000 (£1,000) = £1,395. All advice fees are payable upon completion. Moneypoint Finance Limited is authorised and regulated by the Financial Services Authority, and is entered on the FSA register (www.fsa.gov.uk/register/home.do) under reference 303863.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. Calls may be recorded for training and monitoring purposes.