Buying your council or housing association home is one of the most powerful ways to secure long-term financial stability – but finding a lender who understands the Right to Buy scheme can be challenging. Many high-street banks refuse applications with no cash deposit, non-standard construction, or complex income backgrounds.
Clark Mortgages works differently. Based in Chester and Cheshire and supporting clients nationwide, we use whole-of-market access to compare products from over 100 lenders. We specialise in Right to Buy cases, including lenders who accept the council discount as the full deposit, properties with public-sector construction, and applicants with self-employment,
credit blips, or mixed income. Our jargon-free, low-pressure guidance makes the journey simple, clear, and achievable.
We support a wide range of Right to Buy applicants, including:
We make the Right to Buy process clear, structured, and fully managed from start to finish.
A free consultation to understand your tenancy status, discount amount, income, and property type.
We compare whole-of-market lenders, including those who accept the Right to Buy discount as the full deposit and those comfortable with ex-council construction.
We handle the paperwork, chase third parties, and prepare your application to meet strict lender criteria. “Handling the administrative paperwork and submission rules to minimise stress.”
We support you through completion and remain available for future remortgages, refinancing, or home improvement funding.
Risk Warning: Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Many tenants have limited savings – and that’s exactly what the scheme is designed for.
We help with:
Ex-council homes often have construction types many banks refuse. We specialise in:
Right to Buy applicants often have complex income structures. We support:
If you’ve been turned away before, we can often still help.
We support:
Often no – many lenders accept the statutory Right to Buy discount as the full deposit.
You typically need at least 3 years as a secure council or housing association tenant.
Yes – some lenders accept mixed income including wages, benefits, or tax credits.
Specialist lenders can consider applications with missed payments, defaults, or CCJs.
It is generally not permitted by councils as one of the conditions of issuing Right to Buy.
Yes – lenders require the official Section 125 notice to confirm the discount and purchase price.
Clear, supportive guidance even when high-street banks say no.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Contact us
18 Weeks Ago
As a contract worker, I honestly never thought I’d be able to get a decent mortgage offer from a high street bank. I was worried and unsure where to start. But thanks to Sam and his incredible team at Clark Mortgage, I’ve now secured a mortgage offer with a great interest rate—and I couldn’t be happier!
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