Buying your council home

How much discount could I get?

The discount depends on how long you’ve been a public sector tenant and the type
of property you’re buying.

Buying a house
 

• 35% discount - if you've been a public sector tenant for three years. The discount remains at 35% until you have had a public sector tenancy for five years.
• 1% increase - after five years, the discount increases by 1% for every extra year you've been a public sector tenant, up to the maximum of 70% or the maximum discount cap (whichever lower).

Buying a flat

• 50% discount – if you've been a public sector tenant for three years. The discount remains at 50% until you have had a public sector tenancy for five years.
• 2% increase - after five years, the discount increases by 2% for every extra year you've been a public sector tenant, up to a maximum of 70% or the maximum discount cap (whichever lower).

See the current maximum discount cap on the Government’s website:
https://www.gov.uk/right-to-buy-buying-your-council-home/discounts

Can I afford it?

Buying a home is a long-term financial commitment. Most tenants will need a
mortgage or loan, and there are additional costs like legal fees, insurance, and
maintenance.

The Government has published a guide for tenants considering applying for a
mortgage to purchase a home under the Right to Buy

• Download Right to Buy Mortgages - Know The Facts

Before contacting us to start the application process, you'll need to make sure you
have the following:

• Photo ID, two forms of recent address proof, and a sample signature
• Proof of address for the last year for family members included in the application
• Documents showing your relationship with family members applying with you
• Proof of previous council/public sector tenancies

Before applying, you must read the government’s guidance on the Right to Buy
process. This will help you understand whether you're eligible and what’s involved.

Please read the government guidance on Right to Buy.

View the Government guidance on Right to Buy (external link)

When you're ready to make your application,
1. Download and complete RTB1 Form from the Government’s website
2. Submit your completed RTB1 Form to housingservices@rugby.gov.uk or in
person at the Town Hall in Rugby.

Once we receive your application, we will contact you to arrange an interview and
confirm that you have all the required documents listed on the 'What do I need
before making an application?' page.