Right to Acquire


What is Right to Acquire?

Right to Acquire allows most housing association tenants to buy their home at a discount.

You can apply to buy your housing association home if you’ve had a public sector landlord for 3 years. These landlords include:

  • housing associations
  • councils
  • the armed services
  • NHS trusts and foundation trusts

What is the difference between the Right to Buy and the Right to Acquire?

The Right to Acquire scheme is very similar to the Right to Buy scheme. The only difference is it applies to housing association tenants as opposed to council tenants.

If you are a council tenant you may be able to use the Right to Buy Scheme.

Eligible properties

Your property must either have been:

  • built or bought by a housing association after 31 March 1997 (and funded through a social housing grant provided by the Housing Corporation or local council)
  • transferred from a local council to a housing association after 31 March 1997

Your landlord must be registered with the Regulator of Social Housing.

The home you want to buy must also be:

  • a self-contained property
  • your only or main home


You can get a discount of between £9,000 and £16,000 on the price of your property.

The amount of discount you’ll get depends on where you live in the UK.

Help with Right to Acquire scheme mortgages

Many people struggle to get their foot on the property ladder, but if you are currently renting your home from a Housing Association then you may be able to take advantage of the Help to Acquire scheme to help you on the path to home ownership.

At KMJ Mortgages, we have in-depth knowledge of the mortgage market, great relationships with a large network of lenders and access to deals that you will not find advertised on the high street.

Our team of advisers are specialists in every type of mortgage, including Right to Acquire, and will be well-placed to show you which lenders and mortgage products will be the right ones to meet your needs.

If you’d like help with a Right to Acquire mortgage today, please call us on 07572 432233, or use our online contact form.

To find out more about the Right to Acquire Scheme see the Government website or contact our friendly advisers.

Important information

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

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.