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We are the Right-to-Buy mortgage experts

If you have been offered the opportunity to buy your council property through the Governments Right-to-Buy scheme - we can help.

FREE Consultation
👉👉👉 01424 440410  👈👈👈

Right-to-Buy Mortgages

We specialise in helping people just like you buy their council property through the Governments Right-to-Buy scheme...did you know:

✅ No deposit needed
✅ Poor credit? No problem
✅ High street rates available

We are 5-Star Google Rated  ⭐️⭐️⭐️⭐️⭐️
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A little bit about us:

PHL Logo Landscape In Association OPT

Call us on 📱 01424 440410 

✅  Market leading rates 📉
✅  Exclusive Rates
✅  Whole-of-market
✅  Access to 150+ mortgage lenders
✅  Est. May 2006
✅  50+ years of experience
✅  5-Star Google Rated
✅  Access to over 5k mortgage rates

A little bit about us:

PHL Logo Landscape In Association OPT

Call us on: 01424 440410 📱

✅  Market leading rates 📉
✅  14-Day Mortgage Offer Promise
✅  Free review
✅  Access to 150+ mortgage lenders
✅  Est. May 2006
✅  No up-front fees
✅  5-Star Google Rated
✅  Access to over 5k mortgage rates

What our customers say:

 
Have recommended you to others. Helped us where others wouldn't/couldn't. Will definitely use again.
 
Mrs L McAllister - Dunfermline
 
Thank you so much for all your help when no one wanted to give me a mortgage you guys managed to sort it out for me so thank you I will definitely recommend your company thanks again
 
Miss C Turner - Spalding
 
I can't say this enough John Moore is amazing and a true credit to you.
 
Miss H Wood - Sheffield
 
The service I received was excellent. Staff were very approachable and always available to speak to me when I had a query. I never thought that I would find a mortgage with having adverse credit, but Prosper made my dream of purchasing my home come true!
 
Mr & Mrs Cornelius - Leicester
 
Really impressed with the Prosper Home Loans team, they helped us find a suitable mortgage quickly when other lenders/ brokers couldn't. We are now in our new home, many thanks!
 
Mr W Anderson & Miss E Mills - Leeds
 
Great service from start to finish!! Big thanks to all that helped to secure our mortgage.
 
Miss F Bell - Hastings
 
We are very happy with your service that you have provided. We would definitely recommend you to anyone who was in our situation.
 
Mr J Cave - Hastings
 
Very happy with the service provided, far superior than previous advisers we had spoken to.
 
Mr W Anderson - Leeds

🤓 Knowledge bank:

What is the Right-to-Buy (RTB) scheme
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The Right to Buy scheme is a policy in the United Kingdom (with the exception of Scotland since August 1, 2016) which gives secure tenants of councils and some housing associations the legal right to buy, at a large discount, the council house they are living in.

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Under the Right to Buy scheme, you can buy your home at a price lower than the full market value. This is because the length of time you have spent as a tenant entitles you to a discount.

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The Right to Buy scheme gives tenants a discount on the market value of their home. The longer you have been a tenant, the more discount you get.

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The maximum discount you can get is £80,900, or £108,000 in London.

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You have to keep your house for 5 years before selling it - if you sell within this time period, you will have to pay back a proportion of the amount gifted to you.

Do you qualify?
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You have to have lived in your council house for at least 3 years.

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If you live in a house, you can get a discount of 35% after 3 years tenancy. You get and extra 35% after 4 years. 

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For each extra year after that, you get another 1 per cent for each year of tenancy up to a maximum of 70 per cent.

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You will need to raise the difference between the reduced value of your house and the amount you are being given through the Right-to-Buy scheme.  This is usually a mortgage.

If you've had credit issues...

Call us for a FREE CONSULTATION