Direct Mortgage & Finance

Right To Buy

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Unlock The Capital In Your Home

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.We charge a fixed arrangement fee of 199.00 which is only payable when your mortgage completes. The overall cost for comparison is 7.1% apr variable, the actual rate will depend on your circumstances.Please ask for a personolised illustration.Rates correct at time of going to press.Direct Mortgage & Finance areauthorised and regulated by the Financial Services Authority. Registration number 300078.

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Why not get the personalised service you deserve!

Direct Mortgage & Finance helps thousands of council tenants - just like you - nationwide, every year to buy their own home.

As a Right to Buy specialist with  years of expertise we'll be sure to provide you with the Right advice and expert service you need to make the dream of owning your council home come true. And, because we know everyone's personal circumstances are different, you can ask for a personalised illustration which explains exactly how everything works.

The overall cost for comparison is 8.4% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration. No upfront fees. -  all costs are payable only on completion, including legal fees and valuation which we arrange on your behalf. These can usually be added to your Right to Buy mortgage. However, in doing so, interest will become payable on this amount over the full term of the mortgage or until it is repaid. Your home may be repossessed if you do not keep up repayments on your mortgage.

Authorised and regulated by


Financial Services Authority.

As a Council tenant, under the Right to Buy scheme, you can buy your home at a price lower than the full market value. This is because the length of time spent as a tenant entitles you to a discount!

Direct Mortgage & Finance can in most cases arrange mortgages for over and above the discounted purchase price so that you can borrow some extra money for home improvements as well.

The amount of discount you qualify for varies, and takes several factors into consideration; from how long you've been a tenant to which borough, district or county you reside in.


The Right to Buy scheme is aimed at secure tenants of local authorities and those assured tenants of registered social landlords who previously held secure tenancies with local authorities.

If you have been a tenant before 18 January 2005 and have spent at least 2 years as a secure tenant (either with a Council, a Housing Association, or certain other public bodies) you can purchase your home at a generous discount!

However, if your tenancy started after 18 January 2005 you will have to wait until you have spent at least 5 years as a public sector tenant before you can buy.



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