Mortgage Broker in Barry

Right To Buy Mortgages in the UK

The experts in Right to buy mortgages. Bad credit? Complex income? or Self employed? Get matched to a broker right for you and get the ‘yes’ you’ve been waiting for.


No impact on your credit score

Our passion is providing support and guidance to all our customers, especially those seeking mortgage advice in Barry. Our focus extends beyond finding you a mortgage; we are dedicated to guiding you throughout the mortgage journey, supporting you every step of the way.

To speak with a mortgage broker in Barry, book your free mortgage consultation now

What is Right to buy?

The Right to Buy Scheme is a government-run programme that enables eligible home renters in England and Wales to purchase their property from their local authority (usually the local council or housing association) for a small fraction of the market price. The amount of the discount is based on how long you have been leasing your property.

You might be eligible to use the government Right to Buy Scheme as a way to get onto the housing ladder if you have rented a local authority property for at least 3 years (this doesn’t have to be consecutive).

Your home will be valued at the full market value when you are considering your options for buying a home using a Right to Buy in the UK, and your government discount will be applied to that purchase price.

We always make an effort to assist those who contact us as transparent and honest mortgage advisors in the UK. We strive to offer the best Right to Buy mortgage advice in the UK by utilising our more than 20 years of combined knowledge and experience in the mortgage industry.

How is the Right to Buy Discount Calculated

The renter will frequently not require a deposit because they will be receiving a significant discount on their home purchase, according to our experience as an open and honest mortgage broker in the UK. Although we have seen instances of this in the past, it is not always the case.

The homebuyers discount will be applied based on a number of factors, including the type of property you are looking to buy, how much the property is actually worth, and how long you have been renting in the public sector.

The discount that is applied to the purchase price might be less than it would have been if you hadn’t previously used a Right to Buy in the UK. As a way to raise the money required for home improvements, you might also have other potential options at your disposal.


We search 1000s of mortgage deals in Barry

Your Path to Homeownership Starts Here

How to get started - Our simple 4 step process

Step 1

Press 'Get approved' Below, the link will take you to a short form.

Step 2

We'll match you with a mortgage broker based in Barry.

Step 3

You're mortgage broker will contact you to discuss your mortgage options.

Step 4

If you're happy, we submit your mortgage application and guide you to completion.

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We believe homeownership should be accessible to everybody, that’s why we strive to work with our clients to find them a suitable mortgage. 


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Common Questions

Does right to buy in the UK still exist?

Starting in the 1980s, the Right to Buy programme is still available to homebuyers. Nevertheless, the programme has changed over the years and might not be offered everywhere. Therefore, before submitting an application for a Right to Buy mortgage in the UK, it is imperative to confirm your eligibility in your local authority area.

We can help you navigate the Right to Buy process as a mortgage broker in the UK, making it more likely that you’ll meet the program’s requirements and receive a lender’s approval.

How much can I borrow with a right to buy mortgage in the UK?

Your income, expenses, and overall affordability will be evaluated in order to determine the maximum loan amount you are eligible for under the UK’s Right to Buy programme. Before submitting an application for a Right to Buy mortgage, it’s critical to review and work on improving your credit score because it will also be checked.

Do I need a deposit for right to buy in the UK?

Due to the Right to Buy discount, you might not need a deposit for your Right to Buy mortgage, but some local authorities may not allow this, in which case you might be asked for one.


Can my children buy my house with right to buy UK?

Regarding eligibility, as long as they have been a part of the lease for at least a year, any family member may purchase the council property through Right to Buy in Cardiff. Additionally, as long as your partner continues to live with you and you are married or in a civil partnership, you may transfer the lease to them.

Can you buy a house with Right To Buy in the UK when on benefits.

Benefit status shouldn’t materially affect a person’s ability to participate in UK’s Right to Buy programme. It is important to keep in mind that you will be responsible for making monthly mortgage payments, which may be difficult if you have a low income. Therefore, before applying for any mortgage, it is advised to consult with a UK mortgage advisor who has experience handling applications from people receiving benefits.

Why Choose us - Right to Buy mortgage Barry

We have a large variety of lenders on our panel that each have their own distinct Right To Buy mortgage products and lending criteria. This frequently implies that we have access to things that aren't commonly found on the high street. Whatever your scenario, our incredible team of certified Right to buy brokers in Barry will use their expertise to try and save you both time and money by finding you the best possible deal for your circumstances.

Take a look at our great client reviews to get a true sense of the high levels of customer service we constantly aim to deliver. We will always keep you up to date and strive to deliver you a stress-free Right to buy advice service, whether you've just gotten in touch, are in the middle of it with a Right to buy mortgage broker in Barry, or are in the advanced stages chatting with one of our mortgage administrators, we can help.

As a timely and quick Right to buy mortgage Broker in Barry, we will provide complete support and direction throughout your Right to buy mortgage procedure. We will do everything possible to alleviate any anxieties you may have throughout our service and will answer all of your questions as thoroughly as possible. We truly hope that you will find us useful during your process, as we are adaptive to your Right to buy mortgage requirements.

When you deal directly with a bank or lender, you will have far less options than if you speak with Barry Right to buy mortgage broker. Banks and other lenders will only have access to their own deals and products, however we can search through 1000s of deals across our panel, selecting the best one for you and your circumstances.

Our professional and devoted Barry Right to buy mortgage and protection brokers is well-versed in various lenders' requirements and products. As a Barry Right to buy mortgage Broker, we can look around for these packages, completing the legwork on your behalf. This saves you time and money by avoiding the need to speak with different lenders.

Overcoming any Right to buy mortgage obstacles that arise can be difficult at times. At this point, you should consult with a reliable and trusted Right to buy mortgage advisor.

Customers with a low credit score, being self-employed, falling outside of lender criteria, and having a low borrowing capacity, to name a few. While challenges exist, as a Right to buy mortgage advisor, we can typically assist.

Our Right to buy mortgage Advisers have assisted a wide range of consumers in a variety of situations. We give comprehensive Right to buy guidance in a variety of situations by leveraging our extensive understanding of Right to buy lender criteria.

We offer a free mortgage appointment to all of our customers, new and old, as a well-known Right to buy mortgage Broker in Barry with a reputation for being open, honest, reliable, and responsive.

During this appointment, your designated Right to buy mortgage Advisor will review your situation and discuss your goals. Our customers are our top priority, and as a mortgage broker in Barry, we'll make sure to recommend the greatest available deal to you while also relieving your stress.

Request your free Right to buy mortgage review today, and we'll see how we can assist you on your mortgage journey!

EM Wales is a trading style of Estates Mitchell Limited is Authorised and Regulated by the Financial Conduct Authority under Registration Number 948488 at www.fca.org.uk/Register 

The Financial Conduct Authority does not regulate all aspects of Commercial and Buy to Let Mortgages.