Our Customers rate us 4.6 out of 5


Trusted mortgage advisors for Right to Buy.

If you think you might be eligible for Right to Buy, we’re here to show you what’s possible. Talk to our friendly team of advisors today!

Your home may be repossessed if you do not keep up repayments on your mortgage. When The Bank Says No is a mortgage broker, and not a lender.

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Useful links to begin your Mortgage Journey



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When your credit record isn’t the best and you’re struggling to find a lender, we can step in so you don’t miss out on your dream home.

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Need help navigating buy-to-let mortgages? With our help we’ll make it easier than you think, even if you have bad credit.


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Remortgaging doesn’t have to be tricky, whether you are looking to remortgage to consolidate debt, buy another property or finance home improvements.

Finding The Best Right To Buy Mortgage Deal For Your Circumstances

If you’re looking to purchase your local authority home, Right to Buy can allow you to do so at a discounted price. Whether you’re only just beginning your search for a Right to Buy mortgage and need some help, or have been declined by your lender and don’t know what to do next, our team can help. When the Bank Says No specialises in affordable housing mortgages, and we understand the intricacies of the UK mortgage market. With our help, you can set yourself up for property owning success and make your public sector home yours forever.

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Supporting your Right to Buy.

If you’re purchasing your home through Right to Buy, it may be the first time you’ve gone through the mortgage process. Moving from the rental market and onto the property ladder is undoubtably an exciting time – but it can also be a stressful one! Don’t fret about your mortgage search – it’s easier than you think! Our friendly team are here for you, ready to scour the market for the most suitable Right to Buy mortgage.

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We can support you and help you to make yourself as attractive to banks as possible, ready for your next application!

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Check your credit file.

In order for us to assess your credit history and suitability for different mortgage products, you will need to check your file.

What is Right to Buy?

Right to Buy is a government scheme designed to allow those living in public sector housing to buy their homes at a discounted price. Public sector housing refers to any property owned by a housing association, local council, or government department. The size of the discount available through Right to Buy depends upon various factors including the length of time you’ve lived at the property in question, the type of property involved (e.g., flat or house) and its value. If you want help figuring out if you qualify for Right to Buy or guidance about how to get started, call a member of our expert team today!

Who qualifies for Right to Buy?

To qualify for Right to Buy you simply need to have been a public sector tenant for at least 3 years. It is important to note that you don’t need to have been living in the same property throughout this time, and nor does the period have to be continuous. As long as you have accrued 3 years in public sector housing during your life, you will be eligible for the discount. If you haven’t already, why not speak with your landlord to find out if you’re eligible?

Turning Your Nightmares Into Dreams

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When you think you’ve hit that brick wall and have all but given up hope of finding mortgage finance, When the Bank Says No are here to turn your ‘No’ into a ‘Yes’. We have access to a range of specialist lenders who are willing to help those that the High Street banks just won’t touch. Get in touch today and see how we can turn your dreams into a reality.

Do I need a deposit for Right to Buy?

The good news about Right to Buy is that you don’t necessarily need to save up a deposit. Instead, you can use your Right to Buy discount, although not all lenders will be happy to accept this. If you’re struggling to amass a large amount of cash for a deposit, our expert advisors can help direct you to those lenders who will accept your application without one. Just get in touch with our team and we can talk everything through!

What discount is available through Right to Buy?

The discount you receive through Right to Buy varies depending on a range of factors. If you live in a council house (rather than a flat) and have done for 3-5 years, you’ll get a 35% discount. This discount will rise by 1% each year until the maximum discount is reached. In London, this stands at £116,200, and £87,200 for the rest of the country. If you live in a flat, you can get a 50% discount if you’ve lived there for 3-5 years, and this discount will increase by 2% for each additional year.

Frequently Asked Questions

How can I apply for the Right to Buy scheme?

To apply for a Right to Buy discount, you should do the following:

  • Ask your landlord for a Right to Buy form.
  • Wait for a response – this should be within 4 weeks.
  • If the answer is yes, the landlord will send an offer.
  • If the answer is no, the landlord should provide a reason.
  • After receiving acceptance, you should begin searching for a mortgage.

Don’t worry! Being declined isn’t ideal, but it can happen, and you still have options moving forwards. Depending on the reasons for your refusal, we can help you determine the best next steps and approach specialist lenders who are better suited to your circumstances. Even in complex situations, there are always solutions. With our expert team on your side, you can navigate the Right to Buy mortgage process with confidence, even if you’ve previously been declined, have poor credit, or some other obstacle to overcome. We never a let a no get in the way of our clients’ homeowning dreams. Give us a call today!

Everyone makes mistakes, and sometimes these mistakes lead to bad credit. We understand that, and are here to help you achieve a mortgage in spite of all the odds. Whilst bad credit may reduce the number of Right to Buy mortgages you are eligible for, it doesn’t mark the end of your journey with this scheme. Your choice of lenders will vary depending on the severity and complexity of your adverse credit, and we’ll help you understand which ones to approach next based on your overall situation. If you want to talk things through, get in touch with your credit report credit ready. And stay positive – it’s all still to play for!

Specialist guidance for Right to Buy scheme.

When the Bank Says No has helped public sector tenants all over the UK understand the possibilities with Right to Buy. If your landlord has agreed to Right to Buy, we can help you start the mortgage search. Whole of market brokers and totally independent, we provide accurate and honest advice you can trust. Dedicated to making homeownership possible and taking fear out of the mortgage process, you can count on our team to support your every step.

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Our Customers rank us 4.6 out of 5


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