How to Find the Best Mortgage Brokers for Right to Buy Applications

If you’re looking to buy your council house under the Right to Buy scheme, finding the right mortgage broker can make a world of difference. With the right support, you can secure a mortgage that works for your situation—without unnecessary stress or delays.

In this guide, we’ll walk you through what to look for in a mortgage broker near you, how to avoid common pitfalls, and where to begin your search in the UK.

What is Right to Buy?

The Right to Buy scheme gives eligible council and housing association tenants in England the opportunity to buy their home at a discount. The amount you can save depends on how long you’ve lived in the property, its value, and other factors.
While the discount can be generous, arranging a mortgage for a Right to Buy purchase isn’t always straightforward. That’s why it’s important to find a broker who understands the scheme and the lenders that support it.

Why You Need a Specialist Mortgage Broker

Not every mortgage adviser will be experienced with Right to Buy. A general broker might miss out on key opportunities—or even give poor advice that slows things down. That’s why you need someone who:

• Knows how the Right to Buy process works
• Has access to lenders who accept Right to Buy applications
• Can explain things in plain English
• Is familiar with local property markets
• Understands how to deal with council paperwork

Working with a specialist could help you find better mortgage deals, avoid delays, and make sure everything runs smoothly from start to finish.

What to Look For in a Right to Buy Mortgage Broker

Here are a few signs you’re speaking to someone who can truly help:

Experience with Right to Buy

Ask how many Right to Buy cases they’ve handled. A good broker should be able to talk through the scheme confidently and tell you what to expect.

Whole-of-Market Access

Ideally, you want a broker who isn’t tied to just one or two lenders. Someone with whole-of-market access can compare deals from across the mortgage market, including lenders who understand Right to Buy.

FCA Authorisation

Make sure they’re authorised by the Financial Conduct Authority (FCA). You can check their registration on the FCA website.

Clear Fee Structure

Some brokers charge a flat fee, others work on commission. Either way, they should be upfront and transparent about how they’re paid.

Good Local Knowledge

If they’ve worked with properties in your area before, they may already know how the local council handles Right to Buy applications, which can save time.

Real Reviews

Check their online reviews—not just star ratings, but real customer stories. Look out for mentions of successful Right to Buy cases.

Where to Find the Right Broker Near You

Local recommendations: Ask neighbours or friends who’ve bought their council home.

Specialist mortgage firms: Some brokers focus entirely on Right to Buy or similar schemes.

Online directories: Sites like Unbiased, VouchedFor or Google Maps can help you find FCA-authorised mortgage advisers near you.

Questions to Ask Before You Decide

Before you go ahead, speak to a few brokers and ask:

• Have you helped other Right to Buy buyers recently?
• Which lenders do you work with?
• What are your fees and how are they paid?
• How long does the process usually take?

What documents will I need?

A trustworthy broker won’t rush you into anything. They’ll take time to understand your situation, explain your options, and guide you through each step.

Choosing the Right Broker Makes All the Difference

Buying your home through Right to Buy is a major milestone—but it can be a bit daunting without the right guidance. A good mortgage broker won’t just find you a deal; they’ll help you feel confident and in control from day one.

So take your time, do your research, and make sure the person advising you genuinely understands Right to Buy mortgages. With the right help, your dream of owning your home could be closer than you think.

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