If you’ve been living in a council property for a number of years, you may be eligible to purchase your home through the Right to Buy scheme in Birmingham.

This government-backed initiative gives tenants the chance to buy their property at a discount, potentially making homeownership more accessible.

What is the Right to Buy Scheme?

Right to Buy was introduced by the government in the 1980s as a way to help council tenants purchase their homes at a reduced price. While it remains a subject of political debate, the scheme has helped many first time buyers in Birmingham step onto the property ladder.

Through the scheme, the discount you receive often acts as your deposit. This means you may not need to save a separate deposit to apply for a mortgage, although some lenders may still ask for additional savings depending on the situation.

The size of the discount depends on how long you’ve been a tenant, the type of property, and its current market value. You’ll need to apply directly to your local authority to find out if you’re eligible and what level of discount you could receive.

How does the process work?

To begin, you’ll need to complete a Right to Buy (RTB1) application form and submit it to your local council. If they agree that you qualify, they will send you an offer notice that confirms the purchase price and discount available.

Once you’ve received your offer, you can begin preparing for your mortgage application. The amount you can borrow will be based on your income, expenditure, and credit profile, just like with any standard mortgage.

What costs are involved?

Even with a discount in place, there are still costs to consider when buying a property through Right to Buy. These may include:

  • Lender’s valuation fee (some lenders may cover this cost)
  • Lender arrangement fee (this varies between products)
  • Solicitor fees
  • Potential mortgage broker fees

You’ll also need to consider the cost of ongoing homeownership, such as maintenance and insurance. Buying a home is a big commitment, so it’s helpful to be fully prepared before moving forward.

Why consider the Right to Buy Scheme?

One of the key benefits of a Right to Buy mortgage in Birmingham is that you’re purchasing a home you already know. You’ve lived there, you understand the layout, and you’re familiar with the local area.

You’ll also be in control of decisions about the property. That means no longer needing to wait on the council for repairs or approvals, and having the freedom to make changes or improvements when you choose.

If you’re eligible and comfortable with the responsibilities of owning a home, the scheme can be a straightforward and cost-effective way to move from tenant to homeowner.

Right to Buy Mortgage Advice in Birmingham

If you’re considering using the Right to Buy scheme in Birmingham, our mortgage advisors are here to support you. We’ll explain the full process, help you work out what you could borrow, and find the most suitable mortgage based on your situation.

We’ve helped many tenants secure a mortgage on their council property, and we’re available seven days a week to guide you through your journey from start to finish.

Date Last Edited: June 17, 2025