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A Help up the Housing Ladder, Right to Buy

Whilst people associate the Right to Buy scheme with the Thatcher government in the 1980’s, many people do not realise that council tenants are still entitled to buy their council house at a substantial discount. This is a great way to get onto the housing ladder!

If you have been a public sector tenant for at least three years, discounts range from 35% for a house (50% for a flat) up to 70% or the cash maximum which is £82,800 (£110,500 in London). There is lots of useful guidance on the Government Right to Buy website.

If you need to take out a mortgage do take proper advice and go to a reputable lender. For free, unbiased information, the Money and Pensions Service has information about working out the costs of home ownership and understanding the types of mortgages available.

Whatever type of property you buy, you will need a solicitor to deal with all those legal issues known as conveyancing – the preparation of documents for the legal transfer of property ownership from one owner to another. Here at D & A, we have a highly qualified team of conveyancers who regularly deal with Right to Buy scheme purchases and we act for Right to Buy clients not just in Birmingham but nationwide and we are on all major high street lenders’ conveyancing panels.

For most people, buying a home is the biggest investment they will ever make so it pays to do your research and work with an experienced team. Whether your house purchase is straightforward or complex, rest assured that at D & A Solicitors we will manage everything for you and keep you fully informed on the progress of your purchase every step of the way.

If you want any help with the legal aspects of buying a council house, we would be pleased to help, contact us on 0121 523 3601.


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