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Right to Acquire Mortgage

Right to Acquire Scheme


What is Right to Acquire?

Right to Acquire allows most housing association tenants to buy their home at a discount.

You can apply to buy your housing association home if you’ve had a public sector landlord for 3 years. These landlords include:

  • housing associations
  • councils
  • the armed services
  • NHS trusts and foundation trusts

What is the difference between the Right to Buy and the Right to Acquire?

The Right to Acquire scheme is very similar to the Right to Buy scheme. The only difference is it applies to housing association tenants as opposed to council tenants.

If you are a council tenant you may be able to use the Right to Buy Scheme.

Eligible properties

Your property must either have been:

  • built or bought by a housing association after 31 March 1997 (and funded through a social housing grant provided by the Housing Corporation or local council)
  • transferred from a local council to a housing association after 31 March 1997

Your landlord must be registered with the Regulator of Social Housing.

The home you want to buy must also be:

  • a self-contained property
  • your only or main home


You can get a discount of between £9,000 and £16,000 on the price of your property.

The amount of discount you’ll get depends on where you live in the UK.


To find out more about the Right to Acquire Scheme see the Government website or contact our friendly advisers.

Because we play by the book we want to tell you that…

Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.
The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

Need more help?

Contact us