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The Right to Buy scheme is a government-led scheme that gives the chance for many council tenants to buy their council homes at a discount price.
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.
The criteria may require you to have been renting your home for at least 3 years (this doesn’t always have to be continuous) renting from the local authority.
By speaking to a mortgage advice in Liverpool, they can help check if you are eligible for the scheme. Alternately, to keep yourself updated with the rules and regulations, you can also check out the government Own Your Home website.
To begin your journey of obtaining a Right to Buy in Liverpool, you need to know if you are eligible which is done through requesting an application form via the local authority.
When they have received this, you will then know the property price and the discount that is to be applied.
Throughout your mortgage, as a mortgage broker in Liverpool we will be there to help by advising solicitors and property surveys when applicable.
Your initial free initial mortgage appointment will allow our team to help you with summing up your potential mortgage costs and match you with the deals suitable for you!
Your initial step involves determining your eligibility for a Right to Buy in Liverpool. This entails obtaining an application form from your local housing association or council.
Once you’ve provided the required information, they will furnish you with the property’s valuation and the applicable discount.
While there’s no urgency to make an immediate decision, it’s worth noting that an acceptance timeframe exists.
Our service extends beyond finding you a mortgage, encompassing advice on solicitors and property surveys where needed.
During the initial mortgage consultation, we collaborate with you to estimate your affordable monthly payments and match you with optimal mortgage options tailored to your circumstances.
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.
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In order to begin your Right to Buy journey in Liverpool, you first need to check if you are eligible for the scheme.
You will need to contact the council or the housing association who owns your property. This is known as the “local authority” in the mortgage industry.
This will give you an understanding of if you qualify for the Right to Buy scheme as they can try and match you up with the criteria.
The local authority will be able to put forward a property price offer as soon as they know that your eligible. You will be given a time period that are able to accept the offer.
This is the part where our team comes in! When you have agreed to purchase your home form the local authority at the price offered, get in touch with us to begin your mortgage application.
In the circumstance where you are looking to purchase the property you are currently renting from the local authority; you need to see if you are eligible first and look at the property discount.
When you have worked the amount you will be able to buy the property for, it’s then time to contact a Mortgage Advisor in Liverpool. This allows you to know which lending criteria is the best for you in order to have a suitable mortgage.
To fully assess your financial profile, your expert Mortgage Advisor in Liverpool will look into your income and assess your spending habits. This can determine if you are able to afford to take out a mortgage on the property.
We understand our customer’s have different lifestyle, which is why we provide a flexible service. From early until late, we are here every weekday and weekend to provide fast and friendly Mortgage Advice at your best convenience.
Our expert Mortgage Advisors in Liverpool stand out from your typical bank or building society. With access, to 1000s of mortgage deals, they can find you the most appropriate deal that is fitting with your financial circumstance.
Our connections give us the chance to provide assistance in sourcing a conveyancing solicitor advising the most appropriate survey for you. Please contact us if you need help with any other services and we can we are able to help you.
As a Mortgage Broker in Liverpool with a reputation of providing open and honest Mortgage Advice in Liverpool, our team strives to make the mortgage journey successful. This is the also the case for customer looking to use the government Right to Buy scheme.
Your trusted Mortgage Advisor in Liverpool can provide the helping hand you need throughout the journey to answer any mortgage questions and to try and put your mind at ease.
Check out our brilliant customer reviews that provide an insight of how we have helped a range of customer’s with their mortgage journey through our expert Mortgage Advice in Liverpool.
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.
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Liverpoolmoneyman 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.
© Liverpoolmoneyman 2009–2026
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Liverpoolmoneyman 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.
© Liverpoolmoneyman 2009–2026
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