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Home > Housing > Right to Buy > Can I afford it?

Can I afford it?

The longer you have been a tenant, the bigger the discount you get off the market value of your home, up to a maximum discount of £80,900 and it takes effect from 6 April 2018. It will increase each year in April in line with the consumer price index.

Discount levels for houses and flats are worked out differently, and start at three years of eligible tenancy, increasing to a maximum of 70% of the property value depending how long you have been a council tenant.

To calculate your discount and obtain advice on mortgages visit the Governments dedicated website for Right to Buy

Right to Buy discount calculator

The Money Advice Service provides free and impartial advice about the Right to Buy and options to fund the purchase.

Money Advice Service support 

A mortgage calculator can be found here to help you work out what the mortgage payments could be.

Mortgage calculator 


Purchase price of your home with Right to Buy discount 

Your home will be valued, disregarding any improvements carried out by you, the tenant.

The discount that you are entitled to is then deducted from the value of your home to calculate the purchase price.
If you do not agree with the valuation that you receive from us then, within the first three months, you may appeal to the district valuer for a redetermination of the value of your home.

You must put your request in writing to the council. We will then instruct the district valuer accordingly.

Please note, the district value's decision will be final - even if it is higher than our own valuation.

If you have purchased a property through the right to buy scheme before, the amount of discount you received then, will be deducted from your discount when you buy again.