Expert Mortgage Advice & Right To Buy Mortgage Deals Suitable For You

Let us put you in touch with expert mortgage advisors who will give you impartial advice and help you find suitable Right To Buy mortgage products for you.

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We work with high street and other lenders so you’ll get access to suitable deals that you may be able to apply for.

About us

Why use us?

From the information you provide to us, our experts will search the market and find the most suitable products for you. If you are happy with the product on offer, we will handle all the necessary paperwork for you, including any relevant applications, to ensure that everything runs smoothly for you.

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From just a few minutes completing some basic information, we will quickly search for suitable financial products for you.

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We’ve helped thousands of customers secure financial products and service so you know that you are in capable hands.

Reduced stress & time saving

Choosing the right financial product is time consuming and can be stressful, so remove much of this by putting it in the hands of one of our financial experts.

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Whatever type of financial product or service you are looking for, our service is reliable and always matched to your own personal circumstances.

Satisfaction guaranteed

Whether you’re looking for Mortgage Advice, Loan Advice or Insurance Advice or any other financial product or service, we can help you…

“Did a great job helping us with our mortgage. I would recommend!”

Rob Searcy

So ... how can we help?

Buying a financial product such as a mortgage can be the biggest decision made in our lives. It is for this reason that impartial advice is critical from qualified advisors.

Right to Buy Mortgage with Bad Credit

In 2015 a number of changes were made to the Right to Buy scheme which has made it an appealing choice today for many potential buyers. If you have had incidents of bad credit in the past, it could make it more challenging to get a Right to Buy mortgage, but certainly not impossible. Lenders use their own complex scoring systems to determine whether you qualify for a mortgage based on a wide range of criteria. This can span from your affordability every month to your credit history.

At Finance Advice Centre our professional team can help you find specialist lenders who are more likely to accept your application for a Right to Buy mortgage with bad credit. Even if you have been turned down previously by high street banks or building societies, it is still possible for you to secure a Right to Buy mortgage deal.

What is the Right to Buy mortgage scheme?

The government’s Right to Buy scheme was first introduced in 1980 and was created to give council tenants the opportunity to buy the home they rented with a substantial discount. Whilst previously there used to be restrictions on the amount of discount a tenant could receive in the scheme, the changes over the years have seen significant increases in discounts. London boroughs currently have the highest discount available of up to £75,000-£100,000. The discount available to a tenant will depend on the valuation and location of the property at the time you make the application.

Am I eligible for the Right to Buy scheme with bad credit?

To qualify for the Right to Buy scheme you need to have been a public sector tenant for three years or more. A public sector tenant refers to anyone who is living in a local council or housing association, but the three years does not have to have been spent in the same property or on a continuous basis.

Whilst in previous years borrowers applying through the Right to Buy scheme may have been turned down because of bad credit, affordability, or self-employment, the changes over the past few years to lending criteria and the new specialist providers entering the market mean more tenants can now benefit from the scheme. It is still possible to be accepted by specialist providers for a Right to Buy mortgage with bad credit if you have any of the following in your history:

  • Recent defaults
  • Late payments
  • Low credit score
  • Recent CCJs
  • Credit issues that have built up in the last 12 months
  • Debt management plans

Our approach - and how we do it


We love speaking with our clients. Either give us a call or fill in one of our contact forms. Remember, we love a challenge!


One of our Advisors will then find out what you’re looking to do, discuss your options and answer any questions you may have.


Your Advisor will find the best option for you and help arrange things. You then sit back and relax while we do the rest.

How much can I borrow with bad credit?

When working out how much a person can borrow, the first thing most lenders will look at is your ability to afford to pay back the loan. This means they will need to see your income or incomes for a joint application, as well as your monthly outgoings and other credit commitments, such as car finance. Also, a lot of lenders will consider your maximum income multiple. In most circumstances this will be 4x your income, but some will allow 5x or even 6x your income, depending on the provider.

Lenders are now using more diverse methods to assess the extent to which you can afford a potential mortgage. The best way to prepare is to discuss your financial situation with one of our expert advisers.

Our team has extensive experience in helping people with bad credit get accepted for Right to Buy mortgages. We can guide you on your next steps to finding the most suitable deals for you, plus any further help with the application process itself.

As a mortgage is secured against your property, it may be repossessed if you do not keep up the mortgage repayments. Think carefully before securing other debts against your home.

See what our customers think ...

What a Fantastic Service from start to finish. Great customer support from Ben Patten & Joe Frayne, superb product knowledge and exceptionally responsive to emails/calls, we can 100% recommend the Finance Advice Centre Ltd , they got us a great deal on a mortgage with suited life insurance, especially during this very difficult Covid 19 time ……

Ian Stamp

From start to finish, Greig and Emily were very helpful with our mortgage application. The advice Greig gave us was very clear and informed. They were always available either by phone or email to answer any questions we had. The whole process was made a lot easier because of the work they did. Would thoroughly recommend

Ross Nightingale

Let us do the work of finding your mortgage

We’ll put you in touch with impartial advice from an expert mortgage advisor who will help secure you the best mortgage deals available.