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The Right to Buy Scheme is a government ran scheme that allows eligible tenants in England to purchase their property from the council for a partially discounted price.
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.
The specific calculations can vary, so it’s always worth checking with someone to know the specifics of what you may be entitled to.
If you have spent at least 3 years (not always continuous) renting from a local housing association and are secure tenants of council property, you may be eligible for the government Right to Buy Scheme.
When purchasing a property via Right to Buy, the property will be valued at the full market price with the government discount applied prior to purchase.
You may have the right to purchase your property from the council at a discounted price if you are living in a council house and named on the tenancy agreement.
Usually, due to the purchase price being discounted, no deposit will be required.
Our mortgage advisors in Harrogate can help you achieve your home-owning goal by using their knowledge and experience within the mortgage industry to provide expert Right to Buy mortgage advice in Harrogate.
Alternately, to keep yourself updated with the rules and regulations, you can also check out the government Own Your Home website.
The process begins with you checking that you are eligible and requesting an application form from the council.
Once you qualify, you will receive an offer notice which sets out the property value and your discount. You then have a set period to accept this offer.
As an open and honest mortgage broker in Harrogate, we can help with your mortgage, solicitors and survey as and when required.
As part of our initial free initial mortgage consultation, we can give you an idea of how much your mortgage will cost and if you qualify.
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
196 5 Star Reviews
Alex Campbell
Amazing help from these guys, we are first time buyers and Warren was our dedicated Morgate advisor and he made the whole process seem easy and straightforward, he went above and beyond to help me and my partner and explained it all in great detail, best of all he was very down to earth and gave it to us strait. Would 100% recommend
15 Jul 2026
Steve Taylor
Excellent Customer Service from initially Dan who arranged our Lifetime Mortgage. The members of the Admin Team were always friendly and helpful. Special mention to Kerry Bewell for her willingness, post-completion, to help when needed. I would definitely recommend UK Moneyman to others.
6 Jul 2026
Dan
Couldn't recommend more! Conor's service was excellent from start to finish and make the process as easy and smooth as possible especially since we didn't even know where to start.
6 Jul 2026
Eva Elliott
We used money man to help us find a mortgage for our first house nearly 7 years ago. They were brilliant at helping us navigate as self employed people. We are just about to use them for our next house!
1 Jul 2026
Rob Shireby
Chris, Ami and Malcolm are all great people, very good experience.
24 Jun 2026
keith mantle
UKmoneyman helped us to obtain a mortgage.. They are a professional and helpful companywho we would reccomend to anyone seeking a mortgage Regards, Keith & Sandra Mantle
12 Jun 2026
Adam Bateman
Just wanted to comment on the experience I have had dealing with uk moneyman for my re mortgage. The team have been excellent throughout, special shout out to Stacy Waudby who has been a pleasure to deal with and has really been pro-active and helpful. I would definitely recommend them to anybody looking for independent mortgage advice
9 Jun 2026
amber sheridan
Ami has been great. She explained everything clearly and answered all of our questions (silly or not). Communication was great, genuinely couldn't recommend this service or our advisor Ami more.
28 May 2026
Keith Hirst
UK Moneyman have helped with my mortgage and remortgage for many years. Always really helpful and knowledgeable. My latest remortgage was done with Conor, who was great at making sure I was getting not just the best deal, but the right deal for my needs.
22 May 2026
Victor Abrams
I found Warren Bailey to be a very helpful and knowledgeable advisor when I discussed with him the potential options for a retirement mortgage . He had contacted me within a day of my seeking an initial conversation with him , and he reassured me there were lenders out there who would consider a mortgage paid out of pension , despite my own bank nort even talking to me as I was over 70 ! Within a couple days Warren had led me through the onboarding process , had explained what documents were needed and had found me a lender suited to my requirements. An excellent experience, and I would recommend him strongly to people looking for a retirement mortgage, and generally . Victor Abrams
15 May 2026
Having a conversation with an expert mortgage advisor in Harrogate is essential to discuss your mortgage scenario.
With a wide selection of lenders offering specialised products designed specifically for those utilising the right to buy scheme.
Our committed mortgage advisor in Harrogate will handle the submission of your mortgage application and organize any additional documentation required by the lender.
Alongside finding the most suitable mortgage deal, we are good at assisting those looking for insurance coverage to protect you and your loved ones financially.
It’s our goal as a mortgage broker in Harrogate to help any and all customers that come our way, including those looking to utilise the Right to Buy Scheme. From your initial phone call through to completion, your dedicated mortgage advisor in Harrogate will be alongside you, ready to answer any questions that you may have.
Unlike a bank or building society, our team of mortgage experts in Harrogate are able to search through 1000s of mortgage deals for you, aiming to find the most suitable fit for your personal circumstances. We are also able to assist with conveyancing solicitors, helping decide on which survey would be the best.
Mortgage advice in Harrogate is available in the morning, afternoon, evening or weekend – whichever one fits in with your work and family. It’s the same service either way!
Please read our genuine customer reviews, the service you receive and your happiness is really important to us.
We’ll help and support you anytime you need us, 7 days a week! The Right to Buy process isn’t always easy, we’ll aim to help you over any hurdles you face. It’s our goal to be open & honest and take away your stress, making you feel relaxed and excited for the eventual outcome.
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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Harrogatemoneyman 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.
© Harrogatemoneyman 2009–2026
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Harrogatemoneyman 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.
© Harrogatemoneyman 2009–2026
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