WHAT DO WE DO?
We pass on your no-obligation enquiry to a right-to-buy broker.
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.
THEN WHAT?
Their aim will be to help you decide on the most appropriate mortgage available for your circumstances.
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.
DO YOU COVER MY LOCAL AREA?
Yes, we cover the whole of England, Scotland, Wales and Northern Ireland.
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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COUNCIL RIGHT TO BUY: Your Right to Buy your homeRight to Buy: Useful addressesIf you have difficulty getting a copy of the Right to Buy claim form or if you want a list of other free housing publications, contact: Free Literature If you want to know about your rights, you can ask a Citizens Advice Bureau or a solicitor. If you disagree with your landlord about buying your home, you can contact your local Government Office, the Office of the Deputy Prime Minister (if you are a council tenant or housing association tenant living in England), the Welsh Assembly Government (if you are a council tenant or housing association tenant living in Wales) or the Housing Corporation (if you are a housing association tenant living in England). 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.)
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