Your home may be repossessed if you do not keep up repayments on your mortgage.

HSBC 2 Year 2.45% Discount Special
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.49% variable
for 24 months
3.94%3.6% APR
TSB 2 Year BBR+1.04%
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.54% tracker
until 30 Nov 2016
3.99%3.8% APR
TSB 2 Year BBR+1.09%
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
75%1.59% tracker
until 30 Nov 2016
3.99%3.8% APR
Virgin 2 Year BBR+1.25%
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%1.75% tracker
until 01 Dec 2016
4.79%4.4% APR
Interest only mortgages are not available where property value is less than £500k or where combined applicants income is less than £100k. Maximum LTV is 70%.
Chelsea Building Society 2 Year BBR+1.34%
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
65%1.84% tracker
until 31 Oct 2016
5.65%5.1% APR
Virgin 2 Year BBR+1.35%
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%1.85% tracker
until 01 Dec 2016
4.79%4.4% APR
Interest only mortgages are not available where property value is less than £500k or where combined applicants income is less than £100k. Maximum LTV is 70%.
Chelsea Building Society 2 Year BBR+1.49% Remortgage
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
65%1.99% tracker
until 31 Oct 2016
5.65%5.1% APR
Available for remortgage only.
HSBC Lifetime BBR+1.49% Special
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.99% tracker
-2.1% APR
Nationwide Flex 2 Year BBR+1.49%
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.99% tracker
for 24 months
3.99%3.8% APR
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website.
Nationwide Flex 2 Year BBR+1.49%
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.99% tracker
for 24 months
3.99%3.8% APR
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website.
Nationwide Flex 2 Year BBR+1.59%
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%2.09% tracker
for 24 months
3.99%3.7% APR
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website.
Nationwide Flex 2 Year BBR+1.59%
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%2.09% tracker
for 24 months
3.99%3.7% APR
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website.
Nationwide Flex 2 Year BBR+1.59%
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%2.09% tracker
for 24 months
3.99%3.8% APR
Available for first time buyers only.
Nationwide Flex 2 Year BBR+1.59%
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%2.09% tracker
for 24 months
3.99%3.8% APR
Nationwide Flex 2 Year BBR+1.59% Remortgage
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%2.09% tracker
for 24 months
3.99%3.6% APR
Available for remortgage only.
Virgin 2 Year BBR+1.65%
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
75%2.15% tracker
until 01 Dec 2016
4.79%4.5% APR
Interest only mortgages are not available where property value is less than £500k or where combined applicants income is less than £100k. Maximum LTV is 70%.
HSBC Lifetime BBR+1.69%
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%2.19% tracker
-2.3% APR
Chelsea Building Society 2 Year BBR+1.69% + Cashback Offset
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
65%2.19% tracker
until 31 Oct 2016
5.65%5.1% APR
Chelsea Building Society 2 Year BBR+1.69% Remortgage Offset
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
65%2.19% tracker
until 31 Oct 2016
5.65%5.2% APR
Available for remortgage only.
HSBC Lifetime BBR+1.69% Premier
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%2.19% tracker
-2.2% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website.

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How to Find the Best Right to Buy Mortgages

Are you looking to buy your council house? If so, you may well need to find a right to buy mortgage in order to do this.

How to Find the Best Right to Buy Mortgages

Over 1.5 million people have bought their home under the 'right to buy' scheme in the UK.

There are lots of right to buy mortgage lenders and deals in the market so there's plenty of choice.

However, for this reason it's important that you compare right to buy mortgages before applying to ensure you don't end up paying more than you need to for your home.

Where to find the best right to buy mortgage

With dozens of lenders offering hundreds of right to buy mortgage deals it can be tough to find the best mortgage for you.

A good place to start your research is with an online comparison as this gives you an easy way to get an overview of the terms and costs of right to acquire mortgage deals from all the leading lenders.

When you compare deals, make sure you look at:

What percentage of your property value the lender will lend

Will they lend you 100 per cent of the discounted right to buy purchase price or do you still have to put a deposit down?

What the deal is

Is it a fixed or discounted rate deal? Are there 'early repayment charges' for coming out of the deal early?

Whether there are any fees and charges

These can add a significant amount to the overall cost of a mortgage deal so it's important to factor fees into your comparison. Look for the deal that suits your requirements and offers the combination of low fees and a low interest rate.

You will generally find that you have many of the same mortgage options as other purchasers. However, if you aren't fully employed or if you have a less than perfect credit history you may have to look at specialist lenders who offer right to buy mortgages for bad credit.

You should take each of these points into consideration when you compare right to buy mortgages so that you're able to find a deal that is affordable and suits your circumstances.

Choosing the best right to buy mortgage deal

While it may be tempting to pick the right to buy mortgage with the very lowest interest rate, ultimately it may not be the best option for you so you must check the terms and conditions.

For instance, the cheapest mortgage deals are often trackers or discounted rate deals and while they can seem very attractive, the rate of interest and the amount you pay each month could increase at any point.

If you feel you'd benefit more from stable payments opting for a fixed rate mortgage that meant you paid a slightly higher initial monthly amount for the benefit of security that your payments won't increase during the deal could save you money in the long term and provide peace of mind.

In addition, the very cheapest deals sometime come with high fees or may only be available if you put down a large deposit so you need to check the terms and conditions of any option that seems suitable if you want to ensure you get the right to buy mortgage that will be cheapest for you..

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