WE ARE A COOPERATIVE
Our team at Co-op Right to Buy Helpline have been helping council and housing association tenants since 1997 just like you, who are interested in understanding and taking up your Right to Buy option.
If you have been a council tenant for more than 3 years, or were living in your home when the council transferred it to another landlord, you may be eligible to buy your home at a discount under the Right to Buy scheme.
Our service offers free and impartial advice on the Right to Buy scheme, however if you decide if home ownership is the right choice for you we may signpost you to one of our approved mortgage advisers/solicitors who can also help you with mortgages and the legal purchase of your home click on this link (Your Right To Buy) for more information.
Our Right To Buy Advisers will help you with:
FINDING OUT IF YOU’RE ELIGIBLE
WORKING OUT YOUR MAXIMUM DISCOUNT
LOOKING AT YOUR FUNDING CHOICES
GUIDANCE ABOUT THE COST INVOLVED AND WHETHER YOU CAN AFFORD IT LONG TERM
COMPLETING YOUR APPLICATION FORM
DISCUSSING AND ASSISTING THE PROCESS OF YOUR APPLICATION FORM WITH YOUR LANDLORD
RECOMMENDING AN APPROVED SOLICITOR/MORTGAGE ADVISER
HELP WITH HOME IMPROVEMENTS
HELPING YOU MAKE THE RIGHT CHOICES
Whether it’s understanding your eligibility, the level of discount you could get, or guidance on affordability and working out the costs involved, our approved advisers are here to help. They can also guide you through filling out your application and can provide practical information on taking those next important steps.
Our advisers are available Monday to Friday, 9:am until 6:pm. You can call, email, or chat online with one of our friendly team.
Call Free – 0330 555 0023
HAVE A QUESTION? PLEASE ASK…YOUR ONE STEP FURTHER IN OWNING YOUR OWN COUNCIL
The Right To Buy scheme allows secure tenants of council homes and housing association properties to buy their home with a significant discount, this can be cheaper than renting
You can make a joint application with:
Someone who shares your tenancy
Up to 3 family members who’ve lived with you for the past 12 months (even if they don’t share your tenancy)
The Right to Buy is not available to people who part own their home. You should talk to your landlord/local council if you are considering buying a further share of your home
The following discount levels will apply:
• 3 years – 35% discount for a house and 50% discount for a flat
• 4 years – 35% discount for a house and 50% discount for a flat
• 5 years – 35% discount for a house and 50% discount for a flat
• 6 years plus – add 1% per year for houses (up to 70% or the cash maximum – whichever is lower), add 2% per year for flats (up to 70% or the cash maximum – whichever is lower)
There are Four Steps in the Right To Buy Process in owning your home,
STEP ONE - Complete An Application Form
Ask one of our friendly advisers for help with this to be assured you get your maximum discount entitlement!
STEP TWO - Get Acceptance Of Your Application
When you have completed your form we can check it for you just to make sure it is filled in correctly and then you can forward it on to your landlord either by post or simply hand it in whichever suits you best ?
Shortly after that you will be sent by post your 'Landlord's notice in response to tenant's right to claim basically this is your confirmation the right to buy process is now underway.
Remember give us a quick ring to let us know this has been received.
STEP THREE - Have Your Property Valued And Get a Formal Offer To Buy With Your Personal Discount
Your local housing landlord will arrange a suitable time with you to visit your home to do a simple valuation of your property. To:-
CALCULATE ANY MORE DISCOUNT YOU'RE ENTITLED TO FOR QUALIFYING HOME IMPROVEMENTS ( SEE STEP 1 ABOVE )
DETERMINE THE BEST PURCHASE PRICE FOR YOU
COLLECT INFORMATION TO SEND YOU THE FORMAL OFFER WITH YOUR PERSONAL DISCOUNT APPLIED.
STEP FOUR - Formal Offer Of Your Choice To Purchase And Notice Of Intention
This will sent to you by post and once received.
CONTACT US IMMEDIATELY
One of our friendly advisers will guide you through your options at this stage as you will only have a limited time to accept the offer.
The first thing you need to know is whether you are eligible for the Right to Buy. Eligibility criteria apply to you and the property you live in. If you’re not sure you could be eligible to buy your home and you’d prefer to speak to one of our Right to Buy advisers please choose from one of the 3 options on this website they will walk you through the Right to Buy process and answer any questions you may have. However, your eligibility would need to be confirmed by your landlord as part of the Right to Buy application process.
Your discount is considered as a deposit also in most cases you may use or borrow some of this deposit for home improvements speak to us about this.