Mortgage guide
Right to Buy Mortgages: detailed guide
We assist borrowers with Right to Buy mortgage advice, helping you find the best products and reduce time on your application.
- Published
- 13 Apr 2026
- Last reviewed
- 13 Apr 2026
- Reading time
- 2 min
Purchase a council or housing association property
Explore the eligibility, mortgage and legal checks involved in purchasing a council or housing association home, including how a Right to Buy discount may affect the deposit.
Read more about Purchase a council or housing association property
Right to buy mortgage with bad credit
Securing a Right to Buy mortgage with bad credit is often more achievable than many council and housing association tenants expect. While adverse credit can limit lender options, there are specialist UK lenders that consider Right to Buy mortgage applications from borrowers with missed payments, defaults, CCJs, IVAs, or even previous bankruptcy, subject to affordability and overall financial stability.
Joint borrower sole proprieter
A Joint Borrower Sole Proprietor (JBSP) Right to Buy mortgage is a specialist solution for tenants who are eligible to purchase their council or housing association home under the Right to Buy scheme but need additional income to meet affordability requirements.
Right to Buy discount as a deposit
One of the biggest advantages of the Right to Buy scheme is the ability to use your Right to Buy discount as a deposit.
First time buyer right to buy mortgage
For many tenants, buying a home through the Right to Buy scheme is one of the most accessible ways to get onto the property ladder as a first-time buyer.
Talk it through with an adviser
Speak to a Mortgage Lane adviser about your circumstances and the next steps.