United Kingdom flag

Owning a home is a cornerstone of financial security and personal achievement for many people in the UK. However, the journey to homeownership can seem daunting, especially for those navigating the complexities of the housing market for the first time. Enter the “Right to Acquire” scheme, a government initiative designed to help housing association tenants in England buy their home at a discount. If you’re considering this path, understanding how to secure a Right to Acquire mortgage is crucial. In this comprehensive guide, we’ll explore everything you need to know about buying a home through this scheme, simplifying the process and highlighting how Contend’s AI legal experts can support you every step of the way.

Understanding the Right to Acquire Scheme

Before diving into the mortgage aspect, let’s clarify what the Right to Acquire is and who qualifies for it. This scheme allows most housing association tenants to buy their home at a discount, provided they’ve rented from the public sector (including a housing association) for a certain period.

Are You Eligible?

To be eligible for the Right to Acquire, you must:

  • Have a tenancy with a housing association or other qualifying landlord.
  • Have been a public sector tenant for at least 3 years.
  • Rent a property that is self-contained and your only or main home.

Certain properties are excluded from the scheme, especially those designated for older people or those with special needs. It’s also worth noting that the discount you receive varies by location in the UK.

Am I eligible to buy my home under the Right to Acquire scheme?

Securing a Right to Acquire Mortgage

Starting Your Journey

Once you’ve confirmed your eligibility, the next step is securing a mortgage. This process can feel overwhelming, but with the right guidance and preparation, you can navigate it with confidence. Understanding your financial health is the first step. This includes knowing your credit score, understanding your income, and having a clear picture of your debts and outgoings. Lenders use this information to assess your mortgage affordability.

Explore Your Mortgage Options

There are various mortgage products available, and finding the right one depends on your financial situation and preferences. Consider speaking with a mortgage advisor who can offer tailored advice based on your circumstances.

Application Process

Applying for a mortgage involves providing detailed financial information and proof of your Right to Acquire eligibility. Lenders will assess your application against their lending criteria, which includes your ability to make ongoing mortgage payments.

Additional Costs to Consider

Beyond the mortgage, there are additional costs involved in buying a home, including solicitor fees, mortgage arrangement fees, and survey costs. Factor these into your budget to avoid any surprises.

How do I improve my chances of getting approved for a Right to Acquire mortgage?
Housing: right to acquire mortgage

How Contend Can Help

At Contend, we understand that navigating legal and financial processes can be challenging. Our AI legal experts are here to provide guidance on the Right to Acquire scheme, helping you understand your rights and the steps involved in securing a mortgage. Whether you have questions about eligibility, the application process, or legal documentation, Contend’s AI assistants are ready to offer clear, reliable advice in minutes.

Am I eligible for the Right to Acquire scheme?

Taking Action

With a clear understanding of the Right to Acquire scheme and the mortgage process, you’re well on your way to homeownership. Remember, preparation and the right support are key to a smooth journey. Contend’s innovative AI technology and team of legal experts are here to guide you, ensuring you have the information and confidence to make informed decisions.

How can I get personalized advice on the Right to Acquire scheme?

Conclusion: Your Path to Homeownership

Buying a home is a significant milestone, and the Right to Acquire scheme offers a valuable opportunity for many. By understanding the eligibility requirements, preparing your finances, and navigating the mortgage process, you can turn your dream of homeownership into reality. And with Contend’s AI-powered legal guidance, you have a trusted partner to support you every step of the way.

Ready to explore your Right to Acquire options? Chat now with Contend’s legal expert and take the first step towards securing your home in the UK.

For more info, check out some of our related articles:


Check if Contend can help you with your issue

Solve your legal question quickly
and easily with Contend.



This material is for general information only and does not constitute
tax, legal or any other form of advice. You should not rely on any
information contained herein to make (or refrain from making) any
decisions. Always obtain independent, professional advice for your
own particular situation. Contend Inc is not regulated by the
Solicitors Regulation Authority.