The government's Right to Buy scheme gives people the opportunity to buy their council home or housing association property at a price discounted below its market value. For information on the available discounts see our guide on Right to Buy mortgages.
Using our Right to Buy Discount Calculator, you can calculate what discount you could be entitled to when purchasing your public-sector property through the Right to Buy scheme.
Calculation results should not be considered as a quote. Make sure you read the separate Key Facts Illustration (KFI) or European Standard Information Sheet (ESIS) before making a decision.
How does the calculator work?
Our calculation is based on the current value of your home, location, the property type, and the number of years you have been a tenant. Your discount will vary depending on whether your property is a house or flat.
Am I eligible for the Right to Buy discount?
To qualify, you'll usually need to be a secure council or housing association tenant of at least 3 years (this doesn't have to be with the same landlord or in the same property). Some tenancy types, such as shared ownership without full staircasing, may affect eligibility, so it's worth checking your exact position with your landlord before applying.
Is the discount capped, and does it differ by region?
Yes. The Government sets a maximum cash discount each year, and it's reviewed annually so the cap can change. The cap also varies depending on where you live, so the discount available in London can differ from the rest of England. Our calculator uses the current caps, but always confirm the latest figure with your council before you rely on it.
What should I do after using this right to buy calculator?
Once you have an idea of your likely discount, the next step is to speak to a specialist about your Right to Buy mortgage options, as not every lender offers this type of mortgage and the criteria can vary. We can talk you through affordability, how the discount is treated by lenders, and what to expect from the application process.