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Speak to an Advisor 7 days, 8am - 10pm
The Right to Buy is a government-initiated program designed to provide eligible residents living in council-owned properties with the opportunity to purchase their homes at a discounted price.
This scheme allows secure tenants of council properties, who have spent at least 3 years as public sector tenants (non-consecutively), to buy their homes and become homeowners.
With the help of a mortgage broker in York, like ourselves, we can help check if you are eligible for the scheme.
Alternately, to keep yourself updated with the rules and regulations, you can also check out the government Own Your Home website.
Various factors will determin the exact cost of your Right to Buy property.
The discounted price can be influenced by the property’s market value, the length of time you’ve been a public sector tenant, the location you are in and the type of property you are buying.
We tend to find, the longer you’ve been a tenant, the higher the discount you may receive.
The specific calculations can vary, so it’s always worth checking with someone to know the specifics of what you may be entitled to.
One big advantage of a Right to Buy mortgage in York is that it is most likely that there is already equity in the house, this could reduce some off your house price or be used as part of your deposit.
Often when purchasing a Right to Buy you will be a first time buyer, we love working with first time buyers!
Our expert mortgage advisors in York, we are here through every step of the process, from your initial enquiry through to completion.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Our Customers Love Us
67 5 Star Reviews
Ashlynn Hudson-Welburn
Chris Wardill was fantastic. Took all the stress out of the process, advising us and doing a significant amount of the admin and research that our house buying endeavour required. He was very amicable and knowledgeable, and made the process very straightforward for us.
20 Sep 2026
Jenny
Alex, my adviser, provided a very helpful and friendly service throughout my mortgage application. Communication was excellent, and I was kept fully informed of the progress at every stage. I genuinely think that Alex wants to find the best deal for his customers and was willing to put in the time and effort to achieve this. He was also flexible with appointments and phone calls, working around my availability, which made the process easier. I would definitely recommend Alex to anyone looking for a knowledgeable, helpful and approachable mortgage adviser.
3 Sep 2026
Chris Hall
We had excellent service from YorkMoneyman. From start to finish. Conor.Paula and Jo did a really great job for us. Explained everything so well and got us the deal we required quickly . Won't hesitate to use them again.
28 Aug 2026
Kirsty Ribeiro
Fantastic service with MoneyMan and specifically Chris and Jo We have used them since being first time buyers and remortgaging, and now with moving house They are very professional, friendly and helpful, they explain everything in plain English and answer all our questions quickly and have helped explain everything every step of the way, and made it very clear everything that is needed and why and all our options and the pros and cons of each I have recommended Moneyman to friends and family and will continue to use them again and again in the future
19 Aug 2026
Alasdair Hamilton
I haven't given 5 stars because I don't believe that anything is perfect. But I can say that I received excellent service and great communication. Our house purchase was not straightforward but the mortgage application was made simple.
29 Jun 2026
Hannah Ellam
jade and joe were great - super helpful and made the process easy for us as first time buyers:)
29 Jun 2026
Marvin van Schalkwyk
Dan was helpful, professional, and explained every step on our application clearly.
9 Jun 2026
Florence Williams
Very helpful, friendly and efficient team. Thank you for making the whole process as smooth as possible
4 Dec 2025
Loren Kinera
Tom made the entire process easy. He communicated throughout and was very quick! We will definitely be using him again and would recommend to any friends and family.
25 Sep 2025
Sarah
Absolutely brilliant service from Matt and Lizzie - both friendly , efficient and very helpful ! Highly recommend :)
10 Apr 2025
Speaking with an experienced mortgage advisor in York is an important first step in exploring your Right to Buy options and understanding how they apply to your individual circumstances.
There are a wide variety of lenders offering tailored products for those using the Right to Buy scheme, with access to specialist deals designed to suit different financial situations.
Your dedicated mortgage advisor in York will handle the full mortgage application process on your behalf, making sure all documents required by the lender are correctly prepared and submitted.
In addition to finding a suitable mortgage, we also offer support with arranging protection policies, helping to safeguard both your home and the financial wellbeing of you and your family.
Get started with a free initial mortgage appointment, offering clear guidance with no upfront costs.
A mortgage advisor will take time to understand your needs and explain your options from the outset.
We search the market to find the most suitable mortgage deal for your Right to Buy purchase, including access to specialist lenders who support discounted purchases.
From your first enquiry through to completion, you’ll receive clear, honest and personalised support.
We aim to make the mortgage process as simple and stress-free as possible.
We’re available seven days a week to fit around your schedule, including evenings and weekends, so you can get expert mortgage advice in York at a time that works best for you.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Yorkmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Yorkmoneyman 2009–2026
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Yorkmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Yorkmoneyman 2009–2026
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