---
title: "Right to Buy Mortgages: detailed guide"
description: "Detailed explanations and criteria for Right to Buy Mortgages."
url: "https://mortgagelane.com/guides/mortgages-right-to-buy-mortgages-details"
site: "Mortgage Lane"
collection: "guides"
date: "2026-04-13"
author: "Seren Norton"
category: "Mortgage guide"
reviewed: "2026-04-13"
reading_time: "2 min"
byline: "Seren Norton"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# Right to Buy Mortgages: detailed guide

Detailed explanations and criteria for Right to Buy Mortgages.

We assist borrowers with Right to Buy mortgage advice, helping you find the best products and reduce time on your application.

[Right to Buy mortgage](https://mortgagelane.com/definitions?term=right-to-buy-mortgage)

Residential

A mortgage used by an eligible tenant to purchase their home through the Right to Buy scheme in England.

[Read the full definition of Right to Buy mortgage](https://mortgagelane.com/definitions?term=right-to-buy-mortgage)

Back to overview

[Right to Buy Mortgages](https://mortgagelane.com/mortgages/right-to-buy-mortgages)

Related definitions

[Right to Buy mortgage](https://mortgagelane.com/definitions#def-right-to-buy-mortgage)

## 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](https://mortgagelane.com/guides/right-to-buy-mortgages/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.

[Read more about Right to buy mortgage with bad credit](https://mortgagelane.com/guides/right-to-buy-mortgages/bad-credit)

## 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.

[Read more about Joint borrower sole proprieter](https://mortgagelane.com/guides/right-to-buy-mortgages/joint-borrower-sole-proprieter)

## 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.

[Read more about Right to Buy discount as a deposit](https://mortgagelane.com/guides/right-to-buy-mortgages/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.

[Read more about First time buyer right to buy mortgage](https://mortgagelane.com/guides/right-to-buy-mortgages/first-time-buyer-right-to-buy-mortgage)

## Talk it through with an adviser

Speak to a Mortgage Lane adviser about your circumstances and the next steps.

Published: 2026-04-13

Last reviewed: 2026-04-13

Source: https://mortgagelane.com/guides/mortgages-right-to-buy-mortgages-details