Right to Buy Mortgage Calculator Bad Credit
Find out your Right to Buy discount, how much you could borrow, and your estimated monthly repayments — even with a poor or adverse credit history.
Right to Buy Calculator
Estimate your discount, mortgage size, and monthly payments
The current estimated market value of your council home
Houses and flats have different discount rules
You need at least 3 years to qualify for Right to Buy
Combined gross income of all applicants
Any savings you can put towards the purchase
Fair credit — specialist lenders may be required
Rates for bad credit are typically higher; compare specialist lenders
Your Right to Buy Estimate
Discount, mortgage size & monthly cost
Enter your property value, tenancy length, and income, then click Calculate to see your estimated Right to Buy discount and mortgage figures.
Right to Buy & Bad Credit — What You Need to Know
The discount depends on how long you’ve been a public sector tenant and whether your home is a house or flat. Houses get 35% after 3 years, rising 1% per year up to a maximum of 70% (or £102,400 in most of England; £136,400 in London). Flats start at 50% after 3 years, rising 2% per year to the same cap.
Yes — many specialist lenders offer Right to Buy mortgages to applicants with CCJs, defaults, missed payments, or past IVAs. The discount itself can act as a substantial deposit, which reduces lender risk. Rates will be higher, and you may need a broker who specialises in adverse credit.
Check your credit report for errors before applying. Settled debts are viewed far more favourably than active ones. Even a small additional deposit beyond your discount improves your LTV. Using a whole-of-market broker gives you access to lenders not on the high street who specialise in Right to Buy with adverse credit.