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righttobuy WHAT DO WE DO?

We pass on your no-obligation enquiry to a right-to-buy broker.

righttobuy WHAT WILL THE BROKER DO FIRST?

Your personal broker will help in your search for the right-to-buy mortgage to suit you. They will search a range of providers including the high street banks and building societies.

righttobuy THEN WHAT?

Their aim will be to help you decide on the most appropriate mortgage available for your circumstances.

righttobuy WHAT IF I HAVE MONEY OR CREDIT PROBLEMS?

Many people have less than perfect credit. Your personal broker will have access to specialist mortgage lenders who accept applications from people with CCJs, defaults, IVAs, mortgage or rent arrears.

righttobuy DO YOU COVER MY LOCAL AREA?

Yes, we cover the whole of England, Scotland, Wales and Northern Ireland.

righttobuy WHAT DO I DO NOW?

Easy. Enquire about a right to buy mortgage now. All you need to do is to complete the quick no-obligation form to your right and your personal broker will contact you to discuss your requirements and help you through the process.


Introduction – the Right to Buy Warning – things to consider before deciding to buy your home Who has the Right to Buy Preserved Right to Buy Rent to Mortgage The discount rules Qualifying period Reduction of discount (cost floor) Repayment of discount What if I have purchased before? Right of first refusal Buying a flat or maisonetteService charges Other points on service charges The costs of buyingHow much would I need to borrow? Other costs of home ownership Repair and maintenance One off costs of buying your home How do I apply? Step 1 –Applying to buy Step 2 –landlord’s response Notice Step 3 –landlord’s Section 125Step 4 –Appealing to the Valuer Step 5 –Resolving S125 questions Step 6 –Getting a Survey Step 7 –Getting legal advice Step 8 –What you want to do next Step 9 –Enquiring about mortgage Step 10 – Completing purchase Delays or problems with saleExceptions to the Right to Buy Other exceptions to Right to Buy Rural restrictions Defective dwellings Right to Buy landlords Other public bodies Other booklets you may need Useful addresses Chart to help you decide Frequently asked RTB questions

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we keep it as simple as possible...

COUNCIL RIGHT TO BUY: Your Right to Buy your home

Right to Buy: Right to Buy landlords

To have the Right to Buy your home you must be a secure tenant of one of the following bodies in England and Wales.

• A district council.
• A county council or county borough council.
• A London borough council.
• The Common Council of the City of London.
• The Council of the Isles of Scilly.

Any of the following bodies which were set up when the Greater London Council and the metropolitan county councils were abolished:

• A metropolitan county police authority.
• The Northumbria Police Authority.
• A metropolitan county fire and civil defence authority.
• The London Fire and Civil Defence Authority.
• A metropolitan county passenger authority.
• The London Waste Regulation Authority.
• The West London, North London, East London and Western Riverside Waste Disposal Authorities.
• The Merseyside and Greater Manchester Waste Disposal Authorities.
• A registered social landlord such as a housing association which is registered with the Housing Corporation or Welsh Assembly Government. This only applies if you are a former secure tenant of a local authority or another ‘Right to Buy landlord’ and your home was transferred to a registered social landlord (see Preserved Right to Buy).

You may not buy your home if you are the tenant of a registered social landlord which is:

• A charity.
• A landlord which has not received public subsidy.
• A co-operative association.
• The Housing Corporation.

Click here for the next page ...

© Crown Copyright (Correct at time of writing January 2005. Please check with your financial services provider for any changes.)

Enquire about a right to buy mortgage now.

All you need to do is to complete the no obligation form below and a broker will contact you to discuss your requirements and help you through the process.

Dont worry if you cannot complete all the fields, just enter the information you can.

Free Right to Buy Enquiry

1st enquirer's date of birth

2nd enquirer's date of birth

Mortgage term required (years)

Have you received your valuation from your council yet?

No
Yes

Have you asked a solicitor to act on your behalf for your right to buy purchase?

No
Yes

Is your property of standard construction?
(brick built and tiled/slate roof)

Yes
No
Not sure

What is the type of your property?

Is this a Single or Joint enquiry?

1st enquirer's annual income

2nd enquirer's annual income (before tax)

Amount you want to borrow (if known)(*)

Council valuation of the property (if known)

Discounted right to buy price (if known)

Value of outstanding debts/loans/credit cards

Can a broker perform a credit check?

Please read carefully: If you suspect that you currently have a less than perfect credit history or suspect you have EVER had any credit problems whatsoever, please tick. Before a lender provides you with a mortgage they will ALWAYS perform a credit check and will discover your actual credit history. Not declaring it at this stage may count against you.

None
CCJ
IVA
Defaults
Arrears
Bankruptcy
Late/missed loan payments
More than 1 or other‚ please record below

Any comments or details of any credit issues (rent arrears, defaults, ccjs etc)

Title:

First Name:

Last Name:

Address:

Postcode:


Please note it is not always possible to process enquiries based solely on the information contained in this form. Each case is unique and it may be necessary to speak to you to be able to assess your own particular circumstances to help find the most appropriate course of action. Please supply at least one phone number.

Home phone:

Work phone:

Mobile:

When can you be contacted?

 Daytime  Evening  Weekend

Email address:

Terms and Privacy

 

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
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