Published 29 December 2016 · Last reviewed 1 May 2026

100% mortgage plus legal costs  for you to purchase your Right to Buy council home.

Niche Advice specialises in Right to Buy council home  mortgages including finance from Mortgage Lenders that do not require to put in your own funds as a deposit. In other words 100% mortgages.

We also have a Mortgage Lender that will allow you to ADD your legal costs and funds for home improvements on top of the mortgage.

How does it work? Well the Mortgage Lender takes comfort from the fact the council are selling the property under value at a discount. The chances are if you are reading this article you have already had a Right to Buy Offer through the door.

Example:

Open market value £250,000
Discounted purchase price £150,000

Mortgage £176,300
£150,000 plus legal costs (£1,300) plus £25,000 for home improvements

We can help all types of applicants including the following via our lender panel:

• Employed or self employed, supplemented with DSS state benefits
• Multiple jobs
• Short employment history
• Long standing zero hour contracts
• Missed payments (rent must have been paid for the last 12 months)
• CCJs and defaults

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