Right to Buy home purchase with Liberty Money


Right to Buy

Right to Buy Mortgages
Made Simple

If you’re eligible for the Right to Buy scheme, purchasing your council home
could be more affordable than you think. We’ll explain how the scheme works,
compare mortgages from across the market and guide you through every
step of the process.

✔ Access to high street & specialist lenders
✔ Expert guidance on discounts & eligibility
✔ Support from enquiry to completion
✔ FCA Authorised & Regulated

Book Your Free Consultation

Right to Buy Essentials

🏠
Check your eligibility

Learn who qualifies for the Right to Buy scheme and how long you need to have been a public sector tenant.

💷
Your Right to Buy discount

Your discount could reduce the amount you need to borrow, helping make home ownership more affordable.

📋
Property valuation

Your landlord will arrange a valuation to determine the property’s market value before applying your discount.

🔑
Buying your home

We’ll guide you through the mortgage process from application through to collecting the keys.

Why Choose Liberty Money for Your Remortgage?

Independent mortgage advice

Clear comparison of your options

Support from review to completion

Advice tailored to your plans

Costs to Consider When Buying Through Right to Buy

Buying your council home is often more affordable than purchasing on the open market, but there are still costs to budget for. We’ll explain everything clearly so you know exactly what to expect before you commit.

Mortgage Product Fees

Some mortgage products include arrangement fees, while others are fee-free. We’ll compare the overall cost to help you choose the most suitable option.

Legal Fees

A solicitor or conveyancer will handle the legal work involved in purchasing your home. We’ll explain the process and any associated costs.

Property Valuation

Your landlord will arrange an independent valuation of your home as part of the Right to Buy process. Some lenders also carry out their own valuation.

Adviser Fees

We’ll explain our fees clearly before you proceed, so you’ll always know exactly what to expect.


Adviser Fees

We’ll explain any adviser fees before you proceed.




Land Registry & Searches

Your solicitor will carry out the necessary property searches and register your ownership once your purchase has completed.

Buildings Insurance

Once you become the owner, you’ll normally be responsible for arranging suitable buildings insurance from the day you complete.

Frequently Asked Questions

Most secure council tenants who have rented from a public sector landlord for at least three years may be eligible. We’ll help you understand whether you qualify.

The discount depends on factors such as the type of property, how long you’ve been a tenant and where the property is located. We’ll explain how the scheme works.

In many cases, your Right to Buy discount can be used as part or all of your deposit, meaning you may not need additional savings. This will depend on your circumstances and the lender’s criteria.

Yes. Many lenders will accept your Right to Buy discount as your deposit, subject to their lending criteria.

Yes. Some lenders allow family members to be included on the mortgage or assist with affordability, depending on your circumstances.

Timescales vary, but most purchases take several months from application through to completion. We’ll work closely with your solicitor and lender to help keep everything progressing.

Yes, although if you sell within a certain period you may need to repay some or all of your Right to Buy discount. We’ll explain how this works.

Once you’ve purchased your home, you’ll usually have access to the same remortgage options as other homeowners, subject to normal lending criteria.

Yes. Depending on your circumstances and the equity you’ve built, you may be able to borrow more for home improvements or other purposes.

Right to Buy mortgages have specialist criteria and not all lenders assess applications in the same way. We’ll compare a wide range of options and guide you through every step of the process.

Ready to Buy Your Council Home?

Whether you’re just starting your Right to Buy application or have already received your offer notice, we’re here to help you find the right mortgage and guide you through every stage of the journey.

Book Your Free Consultation

Explore Related Mortgage Guides

Many of our clients explore more than one mortgage option before deciding what’s right for them. Here are some related guides that may also be useful.

First-Time Buyers

Need extra funds for home improvements, an extension or another major purchase? Discover your options.

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Shared Ownership

Explore another affordable route onto the property ladder and understand how Shared Ownership works.

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Home Movers

Already own a property or planning your next move? Discover mortgage options for your onward purchase.

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