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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
60 5 Star Reviews
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
Xander Shooter
Malcolm and Lizzi and the rest of the team have provided first class service. Talking us through the mortgage process and assisting anywhere they could with the house buying world. Two phone calls and two video calls and boom mortgage done leaving no question unanswered. Absolutely brilliant service. Almost looking forward to remortgaging in a few years. 10/10 would recommend to anyone especially first time buyers.
4 Apr 2025
Neil Whitehead
Great service - personable, knowledgeable and efficient.
6 Mar 2025
Coral Berry
Very friendly and helpful staff. Fast completion and made getting our first mortgage much less stressful. Highly recommended!
23 Feb 2025
Katy Town
Brilliant service from Tom and Paula. They always kept us up to date and answered any questions we had. Paula kept things moving and in touch with the mortgage company to make sure everything ran smoothly.
3 Dec 2024
Jack Bowley
Massive thank you Matt Collinson and the UKMoneyMan team. They were the first company we reached out to for mortgage advice, and the warm welcome started right at the start. We've got all the advice and help we needed, and Matt worked with what we had and gave us what we believe to be the best deal possible. He's been absolutely wonderful dealing with and I can recommend his services to anyone who's in need of a mortgage broker. I'd give more stars if I could! Thank you Matt.
25 Nov 2024
Josh Broadbent
Malcolm and Amy are fantastic at what they do. It’s refreshing to deal with such competent & efficient people. Thank you for making the First Time Buyer process that little bit easier! Will recommend to friends & family.
23 Oct 2024
Daniela Saunders
Great service, incredibly helpful and quick with everything. We're FTB and they were amazing for us, got our mortgage within 3 days and everything was seamless
21 Oct 2024
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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