Right to Buy mortgage guide for Hertfordshire council tenants.
If you are a council tenant in Hertfordshire with at least 3 years' tenancy, you may be eligible to buy your home at a discount of up to £96,000 (house) or £127,900 (flat). The discount depends on your length of tenancy. This can transform your housing situation — turning rent payments into mortgage equity.
The RTB discount counts as your deposit with most lenders, meaning you may not need any additional savings. If your discount is £80,000 on a property valued at £250,000, you are borrowing £170,000 at 68% LTV — which qualifies for competitive rates.
Not all lenders offer RTB mortgages, and criteria vary on property type, construction and discount clawback terms. We know which of our 90+ lenders are active in the RTB market and which offer the best rates for your specific property.
Apply to your council for RTB → receive your Section 125 offer → get mortgage agreed → exchange and complete. The mortgage application can run in parallel with the council's process. We recommend starting your mortgage enquiry as soon as you receive your Section 125 notice.
Call 0199 267 6961 for free advice on your Right to Buy mortgage. We confirm your borrowing and find the best rate from 90+ lenders. No broker fee.
The Right to Buy discount of up to 96,000 on a house or 127,900 on a flat is the single largest deposit assistance available to any UK buyer. On a council property valued at 250,000 with a 80,000 discount, you are borrowing 170,000 at 68 percent LTV — which qualifies for rates that most first-time buyers with cash deposits cannot access. Your discount has earned you an exceptional lending position. Make sure you use it with a lender who offers the best rate for your LTV band, not just the first lender your council suggests.
The information in this guide reflects the advice we give Hertfordshire clients every day. But every buyer's situation is different — your income structure, deposit, credit history, target area and timeline all affect which lender and product is optimal. A guide can inform your thinking but it cannot replace a conversation with an adviser who can assess your specific numbers. Call 0199 267 6961 for a free 30-minute assessment. We will confirm your borrowing capacity, identify the best lender for your circumstances, and issue an agreement in principle within 24 to 48 hours. Evening and weekend appointments are standard for Hertfordshire clients. No broker fee at any stage.
For further reading, see our other Hertfordshire mortgage guides: how much to buy in St Albans, Watford, Stevenage and Hertford; when to remortgage in Hertfordshire; the self-employed mortgage guide for Hertfordshire professionals; our buy-to-let investment guide covering yields by town; and the contractor mortgage guide for day rate specialists. Each guide includes worked examples with real Hertfordshire numbers. All guides are available at our blog page or by searching the articles section of this site.
Call 0199 267 6961 for a free initial conversation. We gather your income details, deposit position and target budget, then search 90 lenders to find the best combination of rate and borrowing capacity for your specific circumstances. Within 24 to 48 hours we issue an agreement in principle so you can start viewing and making offers with confidence. The call takes 20 to 30 minutes and there is no obligation at any stage. We manage the entire mortgage process from first call through to completion — lender selection, application packaging, underwriting liaison and solicitor coordination. Evening and weekend appointments are available as standard for Right to Buy Guide clients. No broker fee — we are paid by the lender on completion.
A bank branch offers its own products — typically 10 to 15 options from a single provider. We compare over 90 lenders including specialist providers that your bank cannot access. For Right to Buy Guide property values, the rate and borrowing differences between lenders are not marginal — they determine whether you can afford your target area, how much your monthly payments are, and how much interest you pay over the full term. Self-employed buyers, contractors and those with complex income benefit most from whole-of-market advice because specialist lenders routinely offer tens of thousands of pounds more borrowing than standard banks for the same income. Free advice, no broker fee.
Free mortgage advice — no broker fee — 90+ lenders searched for you
📞 0199 267 6961Yes. Our whole-of-market mortgage advice carries no broker fee. We are paid by the lender on completion.
90+ lenders — high street banks, building societies and specialist lenders. Significantly more than any bank or tied adviser.
Usually within 24-48 hours of your first call.
Yes. St Albans, Watford, Hertford, Stevenage, Welwyn Garden City and every town across the county. Phone and video appointments available.
Yes. Self-employed, contractors, company directors, freelancers, multiple income streams — we have lender options for most situations.
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We frequently help buyers declined by banks. Specialist lenders have different criteria and we know which ones match your circumstances.
No broker fee. No obligation. Whole-of-market advice from a Hertfordshire mortgage broker who picks up the phone.
0199 267 6961Localnest Mortgages is an Appointed Representative of [Network Name], which is authorised and regulated by the Financial Conduct Authority (FCA). Your home may be repossessed if you do not keep up repayments on your mortgage. The information on this website is for guidance only and does not constitute financial advice.