Are you a council tenant? Would you like to own YOUR home and SAVE MONEY? Let US help you!
Currently there are around 55 lenders on the mortgage market, about 45 provide funds for Right to Buy council property purchases. Only 5 of the 45 lenders do not require a 10% deposit of the discounted purchase price while also making extra monies available to you on the day the property becomes yours to help you with home improvements.
For most tenants we talk to, finding a 10% deposit and being able to carry out home improvements out of their own savings and then drawing down the money later from the lender, just isn’t an option financially. Therefore, trying to find a lender on the high street, who will say yes if you do not have a deposit and savings, can be a soul destroying experience. We take the anguish out of the whole process and deliver your requirements in a professional and efficient manner all from the comfort of your own home.
We only work on your application if we think you have a very high chance of the whole process completing so the property becomes yours. We ask for no fees upfront at all, the only fee you may incur is a a valuation fee by the mortgage lender in 3 months time once you have the purchase price figure from your social landlord. In many cases we can access a completely free valuation
We do not ask for any upfront fees and we do not ask you to sign any contracts with us until we submit your mortgage application. Our fee document is strictly only payable if your application completes and your home becomes your property, we solely work on results, if we do not succeed, you pay nothing to us or our solicitors.
We do not ask for any upfront fees and we do not ask you to sign any contracts with us until we submit your mortgage application. Our fee document is strictly only payable if your application completes and your home becomes your property. We solely work on results, if we do not succeed, you pay nothing to us or our solicitors.
We have researched the market extensively, we know exactly the 5 lenders on the market who will release up to 75% of the council’s value or the open market value depending on the lender you are eligible for on completion of the mortgage application, within two days the extra funds you have applied for are transferred into your bank account.
Trying to find one of the 5 lenders out of the 55 on the market who will release extra monies on completion without having to pay a 10% deposit is a tough exercise when you may only have very limited time away from work to work on personal tasks. Also convincing your social landlord to agree to monies over and above the discounted purchase price can also be mind numbing unless you are aware of your legal entitlements – Our solicitors are highly experienced at fighting your corner so your goals for YOUR home and your family’s future comfort are realised.
From start to finish we take care of the whole process for you from the comfort of your own home.
Our Right to Buy specialist advisors assess whether you qualify for the scheme, evaluate the value your social landlord will place on your home, the level of discount you are eligible for, the purchase price and most importantly, the monthly mortgage cost.
If owning rather than renting makes financial sense to you, a regulated mortgage advisor will put the funding in place for you. Our Right to Buy specialist advisors will then take care of the RTB 1 application form on your behalf, ensuring you are applying for the maximum discount you are entitled to; there are 5 areas of discount that are little known to many tenants, this alone could reduce the discounted purchase price significantly, saving you £1000’s, one very important reason why you should work with experts in this field. At this stage you have signed no contacts with us and you have parted with not one penny of your own money.
You will receive a discounted purchase price from your social landlord, we will then hand your case over to the expert, regulated mortgage advisors we work closely with and they will take over your case to completion. You now own your own home.