Right to Buy Mortgages in Brighton & Hove: Discounts, Deposits and the Steps to Owning in 2025
If you’re a council tenant in Brighton & Hove, Right to Buy (RTB) could let you purchase your home at a discount. Here’s how it works right now — and what changed.
The big update on discounts
Government changes following Autumn Budget 2024 reduced the maximum cash discounts from 21 November 2024 back towards pre-2012 levels (historic caps between £16,000 and £38,000 by area). Check the current cap and eligibility before you start.
Who can apply
You generally need to be a secure tenant of a public-sector landlord for 3+ years, and the home must be your only or main residence. Full eligibility, discount rules (different for houses vs flats), and the application process are set out on GOV.UK
Do you still need a cash deposit?
Often, yes — but some lenders will treat your RTB discount as the deposit (subject to caps and underwriting). A broker who writes RTB regularly can tell you which lenders are active right now and what paperwork the council will issue. (Policy and lender criteria change; check current details at the time you apply.)
The 6-step plan
- Confirm eligibility & discount with the council (RTB1 form).
- Get an Agreement in Principle while your landlord processes the valuation.
- Budget for costs (legal, survey, insurance and any required cash contribution).
- Choose the mortgage (fixed vs tracker; term and fees).
- Conveyancing & offer acceptance (watch the statutory timelines).
- Complete — you’re the owner (note resale/repayment conditions may apply for a set period).
Tip: If you’re in a housing association property, ask about Right to Acquire (separate rules).
Need help? Hove Mortgage Services introduces RTB-savvy, FCA-regulated brokers around Brighton & Hove who can read your offer, confirm discount treatment, and source a suitable mortgage