The information contained within this website is subject to the UK regulatory regime and is targeted solely at consumers in England.

The Mortgage Lady - assisting you with Right to Buy

is pleased to explain

 Right to Buy eligibility.

Does Right to Buy give you the chance to obtain your own Title Deed ?

Simple, friendly and professional advice for anyone considering Right to Buy in South Oxfordshire or Berkshire, from

Janet Hall - assisting you with Right to Buy
Janet Hall - 115 The Street, Crowmarsh Gifford, Wallingford, Oxon OX10 8EF   Tel: 0330 999 1955
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An Englishman's home is his castle ?

If you are or have been a council or public sector tenant (unless with a housing association where the tenancy commenced after 15th January 1989 * - and certain other special circumstances) for 5 years or more (2 years if first tenancy commenced before 18th January 2005) then you may have the entitlement to purchase your current property with a sizeable discount under the Right to Buy programme.

The size of the Right to Buy discount will be determine by a combination of factors - primarily the type of property and the length of your tenancy or tenancies. From 2nd April 2012 the maximum discount permitted is increased to 75,000. For more information on the likely value of discount available to you see ‘How much ?’.

The final decision on whether the combination of your circumstances and history, together with details of the property concerned, give you entitlement to the Right to Buy will be made by your landlord in accordance with the regulations and laid down appeal process if necessary - so simply asking them is probably the easiest way to establish whether you are eligible.

Where your tenancy was with a council prior to transfer of the property to a housing association then you may benefit from a protected Right to Buy status in many cases.

* - If you are a housing association tenant and commenced your tenancy after 1st April 1997 it is more likely that that you will be eligible for ‘Right to Aquire’ rather than Right to Buy - see section ‘Right to Acquire’.

Did you know ....

With some mortgage lenders you may be able to borrow funds for Home Improvements in addition to the full discounted purchase price!

THERE MAY BE A FEE FOR MORTGAGE ADVICE - TYPICALLY 350 FOR A PURCHASE UNDER THE RIGHT TO BUY SCHEME
RIGHT TO BUY MORTGAGES - The overall rate for comparison is 4.5%. The actual rate will depend on your circumstances.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENT ON YOUR MORTGAGE
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Janet Hall is an appointed representative of TenetLime Ltd which is authorised and regulated by the Financial Conduct Authority.
TenetLime Ltd is entered on the FCA register (www.fca.gov.uk/pages/register) under reference 311266
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