Ready to own the home you love?

Right to Buy mortgages made simple

If you’re a council or housing association tenant, the government’s Right to Buy scheme could give you the chance to purchase your home – often at a significant discount. It’s a fantastic opportunity, but the mortgage process can sometimes feel complicated. That’s where we come in.

At The Happy Mortgage People, we’ll guide you through every step. From working out how much you can borrow to finding a lender who supports Right to Buy applications, we’ll make sure everything feels straightforward and stress-free.

Things to know about Right to Buy

• Discounts – The longer you’ve been a tenant, the bigger the discount you may be entitled to.
• Deposits – Many lenders will allow your Right to Buy discount to count as your deposit, which can make it easier to get started.
• Eligibility – You’ll usually need to have been a public sector tenant for at least three years – we’ll help you check if you qualify.

Protecting your home

Buying your home is a huge milestone. We’ll also help you put the right protection in place – from home insurance to income protection – so you and your family feel safe and secure in your new chapter as homeowners.