The Best Mortgage Deals on Right to Buy

Looking for amazing Right to Buy mortgage deals to purchase your rental property without paying over the odds? The Revolution guide to Right to Buy mortgage deals will ensure you can confidently move forward.

About your mortgage

Error: Yearly income income must be between £1 and £10,000,000.

Error: Regular bonus must be between £1 and £10,000,000.

Based on your yearly income, you may be able to borrow:


Most lenders will let you borrow 4.5 times your annual salary so, as long as you have a standard 10% deposit, you should be able to borrow this much.


Depending on your personal circumstances, some lenders may let you borrow 5 times your salary.


Lenders usually cap the amount they lend at 5.5 times your salary, so it’s unlikely you’ll be able to borrow more than this.

This calculator is an estimation of how much you could borrow. If you’re ready to take out a mortgage, speak to a Revolution brokers to see what options are available.

The Best Mortgage Deals on Right to Buy

With many different lenders offering Right to Buy mortgages, it can be challenging to know which rates are the most competitive, and which mortgage product presents the best deal.

Here we'll explain how to compare Right to Buy mortgages, and what to look out for in your offer to lend.

For tailored advice or recommendations about where to apply, contact Revolution on 0330 304 3040, or drop us a message to

Which UK Lenders Offer the Best Right to Buy Rates?

Right to Buy is a specialist type of lending, and there are a variety of lenders offering specific types of product.

Many clients contact us as their bank does not offer Right to Buy, and they need guidance to work out which lenders can help.

The best way to find competitive Right to Buy lending is to work with a whole-of-market broker who isn't tied into any specific bank or lender and can offer an independent assessment of the best deals currently available on the market.

Often, the most attractive offers are not available directly to the public, so we can almost always find you a far better deal than you'd be able to negotiate directly.

How Do I Know if I am Eligible for Right to Buy?

It's essential to know your eligibility before you start looking at mortgage options. Lenders will each have different criteria, relating to factors such as:

  • Your age.
  • Your credit history.
  • Whether you have a deposit available.
  • How much you earn a year.

You'll also need to meet the Right to Buy criteria, which are:

  • To have been a council property tenant for at least three years.
  • You wish to buy alone, or with up to three family members who have lived with you as co-tenants for at least one year.
  • You do not have any pending possession orders or legal debt proceedings.

The rates you will be offered depend very much on the value of the property, whether you have a deposit, and what sort of discount you are eligible for.

Generally, interest rates are low, and as long as you apply to a lender who considers the Right to Buy discount in lieu of a deposit, you may need to borrow as little as 65% Loan to Value ratio, which offers competitive rates compared to a higher LTV.

How Important is my Credit Rating in a Right to Buy Mortgage Application?

If you have adverse credit issues, it doesn't mean you won't be able to find a Right to Buy mortgage but can mean that the interest rates you are offered are higher.

Even with bad credit and no deposit, you can apply for up to a 100% Right to Buy mortgage with a specialist lender.

How Can I Make Sure I Get the Best Right to Buy Mortgage Offer?

There are two things you need to do:

  • Work with a broker to ensure you apply to lenders whose eligibility criteria you meet.
  • Seek professional advice from a whole-of-market expert, who can recommend any product from any bank or lender.

How Can I Compare Right to Buy Offers Like-for-Like?

Mortgage advisors often hears from clients who have two offers, but which are not directly comparable.

Give us a call on 0330 304 3040, and we will advise on comparable products, establishing which is more cost-effective overall.

First, you'll need to know which lenders are willing to use the Right to Buy discount as a deposit.


  • You want to buy your council property, which is worth £200,000.
  • You've lived there for three years, and are offered a 35% discount.
  • The purchase price is, therefore, £130,000.
  • The mortgage you need is a 65% LTV, as a proportion of how much you need to borrow, against the value of the property.

Expert Advice on Right to Buy Mortgage Rates

To find the best Right to Buy deals, you need an independent broker who can recommend any product from across the UK lending market.

Give us a call on 0330 304 3040, or message at, and we'll get to work!

Why Revolution Brokers?
  • Whole of market brokers

  • Mortgage that suits you

  • On time customer support

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FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature. We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

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Ask us any question you might have, and one of our skilled consultants will come back to you as quickly as possible.