Award-Winning Bad Credit Specialist · FCA No. 301173
Right to Buy With Bad Credit Your Questions Answered
Darryl Dhoffer
CeMAP · CeRER · FCA 301173 · ⭐ 52 Reviews
"I specialise in exactly this. Free assessment — no credit search, no obligation. I respond within 2 hours."
The short answer
Can you get a right to buy mortgage with bad credit? Yes. A right to buy mortgage bad credit case works like any specialist application — lenders assess the age, amount and type of the CCJ, default or missed payment rather than declining automatically. The discount you're entitled to under Right to Buy often strengthens your position, since it effectively increases your deposit without you needing to save it.
The Right to Buy scheme lets council tenants buy their home at a discount. But what if you have bad credit? Darryl Dhoffer explains exactly what is possible.
Being declined feels personal. It isn't — banks use computers. Darryl uses judgement.
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52 Google Reviews
Award-Winning
65+ Lenders
FCA No. 301173
01234 237321
📰 As Seen In Daily Express
Right to Buy and Bad Credit — What You Need to Know
Quick answer — Can I use Right to Buy if I have bad credit? Yes. Having bad credit does not prevent you from applying for Right to Buy. The scheme eligibility is based on your tenancy not your credit history. However you will need a mortgage for the purchase amount and that mortgage will be assessed based on your credit profile. Specialist lenders offer Right to Buy mortgages for people with adverse credit and Darryl Dhoffer has experience with these applications.
The Right to Buy scheme allows eligible council and housing association tenants in England to buy their home at a significant discount. Having bad credit does not automatically disqualify you from using Right to Buy.
However you will need a mortgage to fund the purchase and that mortgage will be assessed based on your credit history. Specialist adverse credit lenders do offer Right to Buy mortgages and many Right to Buy purchasers use the discount as part of their deposit which can significantly improve their mortgage options.
Darryl Dhoffer — The Mortgage Geezer
20+ years in mortgages. Award-winning specialist. Featured in the Daily Express, FT Adviser, The Intermediary and Daily Mirror. I have helped hundreds of people across the UK who were told no by their bank — and I work with 65+ lenders including specialist adverse credit lenders you will not find on comparison sites.
When you contact me, you speak to me directly. No call centres. No being passed around. I personally review every case and respond within 2 hours.
CeMAPCeRERFCA 301173AWARD WINNINGINDEPENDENTWHOLE OF MARKET
Frequently Asked Questions
Can I use Right to Buy if I have bad credit? ›
Yes. Having bad credit does not prevent you from applying for Right to Buy. The scheme eligibility is based on your tenancy not your credit history. However you will need a mortgage for the purchase amount and that mortgage will be assessed based on your credit profile. Specialist lenders offer Right to Buy mortgages for people with adverse credit and Darryl Dhoffer has experience with these applications.
Does the Right to Buy discount count as a deposit? ›
The Right to Buy discount does not count as a cash deposit in the traditional sense but it reduces the mortgage you need relative to the property value effectively improving your loan-to-value ratio. This can significantly improve your mortgage options including for bad credit applicants.
Which lenders offer Right to Buy mortgages for bad credit? ›
A number of specialist lenders offer Right to Buy mortgages for adverse credit applicants. These lenders only work through brokers. They are not available directly or on comparison sites. Darryl Dhoffer has access to all specialist Right to Buy adverse credit lenders.
Can my landlord refuse my Right to Buy application because of bad credit? ›
No. Your landlord cannot refuse your Right to Buy application based on your credit history. Their assessment covers your tenancy eligibility not your financial situation. Your creditworthiness is only assessed by the mortgage lender.
How long does Right to Buy take if I have bad credit? ›
The Right to Buy process itself typically takes several months. Getting specialist mortgage advice early is important. Darryl can assess your mortgage eligibility before you formally apply for Right to Buy so you know exactly what is achievable and can proceed with confidence.
Get Your Free Assessment Today
No credit search. No obligation. Darryl personally reviews every enquiry and responds within 2 hours.
01234 237321
contact@themortgagegeezer.co.uk
FCA No. 301173
52 Five-Star Reviews
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Lender criteria, rates and deposit requirements quoted on this page are indicative and subject to change without notice. Individual circumstances vary. This page provides general information only and does not constitute regulated financial advice. The Mortgage Geezer is a trading style of Access Financial Services Ltd who are authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 301173. Registered in England No. 04427489. Registered office address Access Financial Services Ltd, Unit 1 Furtho Court, Towcester Road, Old Stratford, Milton Keynes, MK19 6AN. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.