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and insurance broker.

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As Featured
Awards from
Our customers have rated our service
Feefo logoIndependant User Feedback98%
Shaun Norris - Purchase
Highly recommended as mortgage brokers for expats returning from abroad. Clear, helpful and straightforward advice at all stages of the process. ...Read More

Right To Buy Mortgages

The government's Right to Buy scheme has been running since the 1980s when the then prime minister Margaret Thatcher introduced it. It allows social housing tenants the right to buy their home from the council at a discount to its value on the open market.

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What Our Customers Say

Samantha Morris - Purchase
Fantastic service - they made the process easy from start to finish. ...Read More
2 months, 4 days ago

Customer - Purchase
Capital Fortune has been professional, responsive, accurate and timely. In our efforts to obtain a mortgage in the UK from the USA, we had no personal experience. Capital Fortune has made the process much easier. ...Read More
2 months, 6 days ago

Frances Fernandes - Purchase
Peter Bartlett was completely responsive to any need or request of ours ...Read More
2 months, 15 days ago

Customer - Purchase
I am a British citizen working in the middle east and used capital fortune to procure a mortgage back in the UK. Their services l from start to finish was impeccable. Yes you pay for the service but you definitely ...Read More
2 months, 15 days ago

Find out more

Top Discount

The top discount you can get varies by local authority and the rules are different in Scotland, Wales and Northern Ireland. In England, you're entitled to a maximum discount of up to £80,900, or £108,000 if you live in London. This amount increases every year in April in line with inflation.

Housing Association Tenants

Some housing association tenants are also given the right to buy their home, but not all. Whether you qualify will depend on whether the right to buy was preserved in the event that your home was transferred from a local council to the housing association that now owns it.

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Extending the Right to Buy scheme

The government has said it plans to extend its Right to Buy scheme to all tenants in housing association properties, but as yet this has not happened.

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Using your Right to Buy

In order to use your right to buy, you'll need to get a mortgage - just as you would when buying a property on the open market. Most lenders have options for borrowers buying using the Right to Buy scheme, but they can look at your application differently. For example, some lenders allow you to use the discount you get on your Right to Buy as a deposit, meaning you don't have to raise extra cash to put in. Others, however, do want to see that you have saved a deposit.

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A mortgage broker will be able to take you through the options available to you so you are comfortable that you have the right deal for you and that you will be able to afford the monthly repayments comfortably.

Find Out Current Best Rates

Property Value
£
Mortgage Amount
£
Reason for Mortgage
Mortgage Type
LenderInitial RateTypeForThenAPR*ERC*Fee
Platform Intermediary 2 Year Fixed £1499 Fee £250 Cashback CTS1.06%FixedJun-20234.34%3.9%30-Jun-2023 £1499
Skipton BS Intermediary Semi Exclusive 2 Year Fixed £995 Fee SBS1.13%FixedMay-20234.64%3.8%31-May-2023 £995
NatWest GREEN Intermediary 2 Year Fixed £995 Fee £250 Cashback Purchase CNW1.13%FixedJun-20233.59%3.2%30-Jun-2023 £995
NatWest Intermediary 2 Year Fixed £995 Fee £200 Cashback Purchase CNW1.18%FixedJun-20233.59%3.2%30-Jun-2023 £995
West Bromwich Building Society 2 Year Fixed £1495 Fee Purchase Free Val WBB1.19%FixedJun-20233.99%3.6%30-Jun-2023 £1495
Platform Intermediary 2 Year Fixed £999 Fee £250 Cashback CTS1.19%FixedJun-20234.34%3.9%30-Jun-2023 £999
Nationwide BS RETENTION 2 Year Fixed £999 Fee Existing Borrowers BNW1.19%Fixed2 years3.59%3.2%2 years £999
Barclays Bank 2 Year Fixed £999 Fee Purchase BWO1.22%FixedMay-20233.59%3.3%31-May-2023 £999
TSB 2 Year Fixed £995 Fee Purchase TSB1.24%FixedAug-20233.59%3.3%31-Aug-2023 £995
Santander UK Plc 2 Year Fixed £999 Fee Porting Cashback CAN1.24%FixedJul-20233.35%3%02-Jul-2023 £999
Mortgage product availability is subject to status and availability. Although great care is taken to ensure that product details are as accurate as possible no liability can be accepted for errors or omissions.
*APR = Annual Percentage Rate *ERC = Early Repayment Charge
*These figures are only illustrative. An assessment of your needs will be confirmed before a recommendation can be made. A Key Facts Illustration, which is personal to your circumstances, will be provided if a recommendation for a mortgage product is made.

Best Discounted Rates

LenderRateType
West Bromwich Building Society 2 Year Discount £999 Fee Purchase Free Val WBB1.39%
then 3.99
(variable)
DiscountRead More
Beverley BS 2 Year Discount £1895 Fee Purchase BBV1.52%
then 4.99
(variable)
DiscountRead More
Furness BS 2 Year Discount £999 Fee Cashback BFU1.59%
then 5.14
(variable)
DiscountRead More

Best 5 Year Fixed Rates

LenderRateType
Platform Intermediary 2 Year Fixed £1499 Fee £250 Cashback CTS1.06%
then 4.34
(variable)
FixedRead More
Skipton BS Intermediary Semi Exclusive 2 Year Fixed £995 Fee SBS1.13%
then 4.64
(variable)
FixedRead More
NatWest GREEN Intermediary 2 Year Fixed £995 Fee £250 Cashback Purchase CNW1.13%
then 3.59
(variable)
FixedRead More
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