Who qualifies for Right to Buy?
There are a few criteria to be eligible for the scheme. You can buy your council home if:
It’s your only or main home, meaning you’re living in the property
It’s self-contained – you don’t share any rooms with people outside your household
You’ve been a secure council tenant for over three years – it doesn’t have to be three years in a row
You don’t have any legal issues with debt
You don’t live in sheltered housing or other housing particularly suitable for elderly or disabled people
You might be able to buy your home with:
Someone who shares your tenancy
Your spouse or civil partner
Up to three family members who’ve been living with you for the past 12 months – even if they’re not on your tenancy agreement
Right to Buy exceptions
You don’t have the Right to Buy your home if it:
Is suitable for occupation by elderly people
Was let to you for occupation by a person aged 60 or over – even if they weren’t tenants
Was first let before 1 January 1990
Is due to be demolished
For more information on other exceptions to Right to Buy you can download the government’s Right to Buy guide from gov.uk.
Do you qualify if you’re on benefits?
You can buy your council home while on benefits. However, owning your home means more responsibilities; you’ll need to find a way to finance this big investment. Make sure you research mortgages and ensure you can afford your repayments – taking into consideration the general living costs, as well as repairs and maintenance. And of course, keep in mind that circumstances, interest rates and house prices may change.
Another thing you need to consider is that if you purchase your house through the scheme, you won’t be eligible for housing benefits. Find out more about the cost of buying a house.
Unsure on whether Right to Buy is right for you? Explore your options and find free and impartial advice through the Right to Buy Agent service.