Right to Acquire

Right to Acquire graphicRight to Acquire allows housing association tenants to buy their current home at a discount. You can apply to buy your home if you have held an assured tenancy, in your own name, with us for three years or more. Discounts for this scheme are set by the Government and are between £9,000 and £16,000 depending on where you live.

For example, if you live in a three-bedroom house in Chelmsford valued at £350,000 and you qualify to receive the maximum discount of £13,500 you would pay £336,500 for your home.

You can visit the GOV.UK website to find out the discounts in your area. Your discount might be reduced if you’ve used Right to Acquire or Right to Buy before.

Your home is exempt from Right to Acquire if:

  • We do not own the freehold of your home and our lease on a flat is less than 50 years in term;
  • It is particularly suitable for elderly or disabled people, including those where support is provided;
  • It is being provided as temporary accommodation;
  • It is due to be demolished within 24 months;
  • It is within a ‘designated rural area’ by order of the Secretary of State;
  • Your home was not built, or purchased with public funds.

We strongly recommend that you read all the information available to you to help you decide whether you would like to buy your home. On the right-hand side of this page you can find some ‘useful documents’ that you should read. You may also find our frequently asked questions at the bottom of this page helpful.

The GOV.UK website contains lots of useful information about Right to Acquire.

As you are responsible for financing the purchase of your own home it is a good idea to seek advice from a financial advisor. For free, impartial, advice about money, please contact The Money Advice Service on 0800 138 7777.

If you would like more information about buying your home through the Right to Acquire scheme, please complete the form below and we will send you our pre-qualification pack. This pack includes an approximate market value of your home, to help you decide if this scheme is right for you.

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Can I share my Right to Acquire with anyone else?

You can share the Right to Acquire with up to three family members who have lived with you for at least the past 12 months (even if they don’t share your tenancy). Qualifying family members include a parent, grandparent, child, grandchild, brother, sister, uncle, aunt, nephew or niece.

If you are sharing your Right to Acquire with a spouse, civil partner or partner they must be living with you, and if your partner is not your spouse or civil partner they must have been living with you for at least 12 months.

Family members can give you the money to buy your home, but the purchase will be in your name (the tenant) only. Family members who are giving you the money, but do not live with you, will not be included in any of the Right to Acquire documentation. You will also need to be able to prove to your solicitor that the money has come to you legally.

Please be cautious if someone you do not know contacts you regarding buying your home or offers you money to buy it. They may be trying to persuade you to do something that benefits them rather than you. If this happens we strongly recommend that you seek legal advice.

  1. Right to Acquire