You can get a discount on the market value of your home when you buy it if you qualify for Right to Buy. The maximum discount is £102,400 across England, except in London boroughs where it is £136,400. It will increase each year in April in line with the consumer price index ( CPI ). The discount is based on: how long you’ve been a tenant with a public sector landlord the type of property you’re buying - a flat or house the value of your home If you’re buying with someone else, you count the years of whoever’s been a public sector tenant the longest. You’ll usually have to repay some or all your discount if you sell your home within 5 years. You might get a smaller discount if you’ve used Right to Buy in the past. Working out the discount There are different discount levels for houses and flats. Houses You get a 35% discount if you’ve been a public sector tenant for between 3 and 5 years. After 5 years, the discount goes up 1% for every extra year you’ve been a public sector tenant, up to a maximum of 70% or £102,400 across England and £136,400 in London boroughs (whichever is lower). Flats You get a 50% discount if you’ve been a public sector tenant for between 3 and 5 years. After 5 years, the discount goes up 2% for every extra year you’ve been a public sector tenant, up to a maximum of 70% or £102,400 across England and £136,400 in London boroughs (whichever is lower). If your landlord has spent money on your home Your discount will be less if your landlord has spent money building or maintaining your home: in the last 10 years - if your landlord built or acquired your home before 2 April 2012 in the last 15 years - if you’re buying your home through Preserved Right to Buy, or if your landlord acquired your home after 2 April 2012 You will not get any discount if your landlord has spent more money than your home is now worth.

Fill in the Right to Buy application form (RTB1 notice) . Send it to your landlord. Your landlord must say yes or no within 4 weeks of getting your application (8 weeks if they’ve been your landlord for less than 3 years). If your landlord says no, they must say why. If your landlord agrees to sell, they’ll send you an offer . They must do this within 8 weeks of saying yes if you’re buying a freehold property, or 12 weeks if you’re buying a leasehold property.

Your landlord's offer

If your landlord agrees to sell, their offer will tell you: the price they think you should pay for the property and how it was worked out your discount and how it was worked out a description of the property and any land included in the price estimates of any service charges (for a flat or maisonette) for the first 5 years any known problems with the property’s structure, for example, subsidence Deciding to buy You have 12 weeks after you get your landlord’s offer to tell them you still want to buy. The landlord will send you a reminder if you do not reply to the offer. You have 28 days to reply to the reminder, or the landlord could drop your application. You can pull out of the sale and continue to rent at any time. If you disagree with the landlord’s offer Contact your landlord and tell them why. If you think your landlord has set your home’s market value too high, you must write to them within 3 months of getting the offer and ask them for an independent valuation. A district valuer from HM Revenue and Customs ( HMRC ) will then visit your home and decide how much it’s worth. You have 12 weeks to accept their valuation or pull out of the sale.

You can appeal to a tribunal if you’re stopped from buying your home because it’s suitable for housing elderly people. You must appeal within 56 days of the council turning down your application.

Your landlord must complete parts of your Right to Buy application within set time limits . You could get a reduction in the sale price if they do not. Applying for a reduction because of a delay Fill in the ‘Initial notice of delay’ form (RTB6) and send it to your landlord. Your landlord must then either move the sale along within 1 month or send you a ‘counter notice’. The counter notice will say that they’ve already replied or explain why they cannot speed things up. If your landlord does not reply within a month of getting the RTB6, fill in the ‘Operative notice of delay’ form (RTB8) . This means that any rent you pay while you’re waiting to hear from your landlord could be taken off the sale price. You can do this each time your landlord is late getting back to you.

If you sell your home within 10 years of buying it through Right to Buy, you must first offer it to either: your old landlord another social landlord in the area The property should be sold at the full market price agreed between you and the landlord. If you cannot agree, a district valuer will say how much your home is worth and set the price. You will not have to pay for their valuation. You can sell your home to anyone if the landlord does not agree to buy it within 8 weeks. Paying back your discount You’ll have to pay back some or all of the discount you got if you sell your Right to Buy home within 5 years of buying it. You’ll have to pay back all of the discount if you sell within the first year. After that, the total amount you pay back reduces to: 80% of the discount in the second year 60% of the discount in the third year 40% of the discount in the fourth year 20% of the discount in the fifth year The amount you pay back depends on the value of your home when you sell it. Example You bought your home worth £100,000 and got a 40% discount (£40,000). You then sold your home after 18 months for £120,000. 40% of £120,000 is £48,000. As you’re in the second year, you would repay 80% of £48,000 (£38,400). You may not have to pay back the discount if you transfer ownership of your home to a member of your family. You’ll need to agree this first with your landlord and then get a solicitor to do this for you. Rural homes Your former landlord may limit who you can sell your home to if your home is in: a national park an area of outstanding natural beauty an area the government says is rural for Right to Buy For example, you may have to sell your home to someone who’s lived or worked in the area for more than 3 years. This may mean you have difficulty getting a mortgage to buy your home. Your landlord will tell you if this could apply to your home when you apply for Right to Buy.

You can get free advice about: how to complete your Right to Buy or Preserved Right to Buy application whether the scheme is right for you how much it will cost you your eligibility Ask your landlord about Right to Buy. They may also be able to help you complete the application form. Right to Buy Agent service The Right to Buy Agent service offers free advice on things like: the Right to Buy and Preserved Right to Buy process eligibility filling out your application form where you can get financial and legal advice what to do if your application is delayed Right to Buy Agent Service enquiry@righttobuyagent.org.uk Telephone: 0300 123 0913 Find out about call charges Other help Read the Right to Buy summary booklet and the Right to Buy guidance . You can also get advice on Right to Buy from: Money Helper Citizens Advice your local Law Centre

Right to Buy: buying your council home

Overview

Right to Buy allows most council tenants to buy their council home at a discount.

There are different rules for Wales, Scotland and Northern Ireland.

You can apply to buy your council home if:

it’s your only or main home
it’s self-contained
you’re a secure tenant
you’ve had a public sector landlord (for example, a council, housing association or NHS trust) for 3 years - it does not have to be 3 years in a row

Joint applications

You can make a joint application with:

someone who shares your tenancy
up to 3 family members who’ve lived with you for the past 12 months (even if they do not share your tenancy)

Ex-council homes

If your home used to be owned by the council, but they sold it to another landlord (like a housing association) while you were living in it, you may have the Right to Buy. This is called ‘Preserved Right to Buy’.

Ask your landlord if this applies to you.

View a printable version of the whole guide

Right to Buy: buying your council home

Overview

Joint applications

Ex-council homes

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Right to Buy: buying your council home

Overview

Joint applications

Ex-council homes

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