Yes, if you’ve received a Right to Buy offer from the council, you can apply for a mortgage to buy your home. Many lenders offer specific mortgage products for Right to Buy purchases, and in some cases, the discount you’ve been given can act as your deposit. Our mortgage advisors in Sheffield can help you find the most suitable lender based on your income, credit profile, and eligibility for the scheme.

Do I need a deposit for a Right to Buy mortgage?

In many cases, no. The discount offered through the Right to Buy scheme can often be used instead of a cash deposit. Some lenders will accept this as your full deposit, while others may still require a small contribution depending on your financial situation. We’ll review your Right to Buy offer and advise you on the deposit, if any, required for your mortgage.

How much can I borrow with a Right to Buy mortgage in Sheffield?

The amount you can borrow will depend on your income, outgoings, credit score, and the lender’s affordability criteria. Even though the purchase price is discounted, lenders still need to confirm that the repayments are affordable. We’ll assess your situation in full and give you a realistic idea of what you might be able to borrow based on current lender policies.

What documents do I need to apply for a Right to Buy mortgage?

You’ll usually need to provide proof of ID, proof of address, recent bank statements, payslips or income documents, and your official Right to Buy offer from the council. Depending on the lender, additional documents might be required. We’ll help you gather and check everything in advance, so your application can be processed smoothly and without delay.

Should I speak to a mortgage broker about buying my council house?

Yes, especially if you want access to more lenders and personalised support. Not all lenders offer Right to Buy mortgages, and some have stricter criteria than others. As a mortgage broker in Sheffield, we compare a wide range of products, explain what’s involved, and manage your application from start to finish. You’ll receive clear mortgage advice based on your individual circumstances and the details of your Right to Buy offer.

Date Last Edited: October 31, 2025