How to Secure Your Council House Through the Right to Buy Scheme

Understanding the Right to Buy Initiative

How to Secure Your Council House Through the Right to Buy Scheme.

If the thought of renting forever is no longer appealing and you're concerned about credit issues stemming from past challenges, don't worry—our experts are here to help. Reach out to us for a complimentary financial health check at 0800-083-0449. We'll identify a mortgage deal tailored to your unique situation.

Understanding the Right to Buy Initiative

This initiative is a government-backed program designed to mitigate the housing crisis. It grants long-term, responsible tenants the option to purchase their council houses at a significantly discounted rate.

What is the Right to Buy Act?

Introduced in 2016 across most of the UK and extended to Wales in 2019, the Right to Buy Act aims to provide a secure homeownership pathway for reliable tenants. The scheme is similar to the Right to Acquire program, active since 1980, and has notably increased homeownership rates in the UK.

How to Qualify with Less-than-Perfect Credit

If you've been hesitant about buying a council house due to a history of bad credit, the Right to Buy program may still be accessible for you. Provided you've been a reliable tenant and have kept up with your monthly payments, your past credit hiccups may not disqualify you from securing a mortgage.

Do You Need a Deposit?

Most lenders usually accept the Right to Buy discount as your deposit. If you're unsure, we can discuss your options when you contact us.

How to Cover the Deposit

Typically, you won't need an additional deposit as the council discount often suffices. However, if you have personal savings, you can either use them as an extra deposit or allocate them for home improvements.

Ready to Begin?

If you're eager to get started, contact us as soon as you receive your council's approval letter. This proactive approach ensures that you meet all mortgage eligibility criteria.

Need Extra Cash for Renovations?

Once you own the property, it's possible to release equity for renovations. This will enable you to upgrade your living space as you see fit, whether that means a new kitchen, a repaved driveway, or a backyard makeover.

Contact Information

To start your Right to Buy application or for more information, contact us at Yes Financial. Our helpline, 0800-083-0449, is ready to assist you. Alternatively, you can fill out our online contact form, specifying a convenient time for us to return your call.


If you've been contemplating homeownership in the UK, now's the time to act. You might be pleasantly surprised to find that you qualify for a mortgage. And if not, at least you'll know the steps needed to improve your credit and prepare for future opportunities.

Why delay in making your dream of homeownership a reality? Browse the Yes Financial website today for more information on how to purchase your council house.

For a complimentary financial health check and personalized mortgage advice, call us now at 0800-083-0449. We look forward to assisting you on your path to homeownership.

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