Council Mortgage Lender

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Buying your council house could save you money but think carefully

Buying your council house could make sound financial sense, but there are things to think about. Before you approach a council mortgage lender, it's important to check that you qualify under the right to buy scheme some properties and tenants are exempt. Be wary of door-to-door sellers, too.

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If you're renting a council house, the right to buy scheme could save you a lot of money: you can buy the property at a big discount, and it's easy to find a council mortgage lender. However it's important to make sure you qualify. If you've lived there for less than two years you're not eligible, and some properties notably shared accommodation and places that have been adapted for use by the elderly or disabled are exempt.

Before you look for a council mortgage lender, it's important to do your homework. Mortgage payments may be cheaper than rent, but you'll still be eligible for council tax; you'll also need to budget for repairs and improvements, which could be pricey if your home needs attention.

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