Published 30 March 2017 · Last reviewed 1 May 2026
Mortgages to help buy my family home but when not on the Right to Buy papers
The Local Authority does not want everyone to buy their council home. What’s more barmy is even when you are living there you can be excluded. Furthermore as an earner within the household the council calls on you to contribute towards costs, admitting your vital role, but can still refuse to add you on the Right to Buy papers. I can only surmise their rationale is to protect them in case you break ranks and jump on the housing list in your own right! Like that’s a sin anyway! Rant over, the good news is I can help you get a mortgage even if you name is not mentioned on the papers provided you live in the property.
That’s right provided at least one person who is to be a mortgage applicant has their name on the Section 125 Right to Buy offer then away we go. This has major benefits as it can make the mortgage affordable as can factor your income into the mortgage affordability assessment.
The best of all it is it’s a well-kept secret as normally Lenders shy away from offering mortgages to applicants who are not listed on the RTB papers so the chances are by reading this you can one up on your neighbours. The only proviso is it must be a house. Flats or maisonettes do not sadly qualify.
For Information on our Right to Buy mortgage offering please click here
Make an enquiry Online
Niche Advice provides appropriate mortgage advice for applicants wishing to purchase their council home, including mortgages whereby all applicants aren’t on the Right to Buy papers. To find out if you qualify select the Contact tab on this website and complete our online enquiry. Alternatively, please call on T: 020 7993 2044 and we will be delighted to help you buy your council home.