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As Featured
Awards from
Our customers have rated our service
Feefo logoIndependant User Feedback98%
John Coker - Purchase
Capital Fortune were extremely efficient at every stage of the process, from first contact all the way through to completion. Without their support, I ...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

Kim Macgreevy - Remortgage
Excellent ...Read More
11 days ago

Muhammad Tayyab Bashir - Purchase
They are very good . I tried somewhere else but refused . Capital fortune did in one week and I get my mortgage offer . Peter Bartlett and Alex Fryday dealt with my case . Very efficient and friendly. Always there when you need ...Read More
12 days ago

Rosemary Cole - Buy to Let Remortgage
Very efficient and knowledgable. Will certainly recommend to others. ...Read More
17 days ago

Gurdeb Mangat - Buy to Let Remortgage
I have found Capital Fortune efficient and quick in their dealings with me and the loan has been swiftly paid to me. Stephen Marsh and James Drury have been really helpful in dealing with my case/ ...Read More
19 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
Lender Initial Rate Type For Then APR* ERC* Fee
Progressive BS 2 Year Discount No Fee Purchase BPG1.29%Discount2 years 5%4.56%2 years £0
Halifax Intermediary FTB 2 Year Tracker £999 Fee BHX1.34%TrackerMar-20214.24%3.9%31-Mar-2021 £999
Halifax Intermediary 2 Year Tracker £999 Fee Purchase BHX1.34%TrackerMar-20214.24%3.9%31-Mar-2021 £999
Leeds BS 2 Year Tracker £999 Fee Legal Assisted BLH1.38%TrackerMar-20215.69%4.8%31-Mar-2021 £999
Leeds BS 2 Year Fixed £1999 Fee BLH1.39%FixedMar-20215.69%4.8%31-Mar-2021 £1999
Leeds BS 2 Year Discount £999 Fee Legal Assisted BLH1.39%Discount2 years 5.69%4.8%2 years £999
Skipton BS 2 Year Tracker £995 Fee SBS1.41%Tracker2 years 4.99%4.3% £995
Halifax Intermediary FTB 2 Year Fixed £999 Fee BHX1.44%FixedMar-20214.24%3.9%31-Mar-2021 £999
Halifax Intermediary 2 Year Fixed £999 Fee Purchase BHX1.44%FixedMar-20214.24%3.9%31-Mar-2021 £999
Santander UK Plc 2 Year Tracker £999 Fee Porting CAN1.44%Tracker2 years 4%3.4% £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
Progressive BS 2 Year Discount No Fee Purchase BPG1.29%
then 5
(variable)
DiscountRead More
Yorkshire Building Society Direct 2 Year Discount £995 Fee Purchase YBS1.37%
then 4.99
(variable)
DiscountRead More
Leeds BS 2 Year Discount £999 Fee Legal Assisted BLH1.39%
then 5.69
(variable)
DiscountRead More

Best 5 Year Fixed Rates

LenderRateType
Leeds BS 2 Year Fixed £1999 Fee BLH1.39%
then 5.69
(variable)
FixedRead More
Halifax Intermediary FTB 2 Year Fixed £999 Fee BHX1.44%
then 4.24
(variable)
FixedRead More
Halifax Intermediary 2 Year Fixed £999 Fee Purchase BHX1.44%
then 4.24
(variable)
FixedRead More
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