Right to Acquire Mortgage – FAQs

Using your Right to Acquire to buy your housing association home can be a big step, and the mortgage side is often where things feel most confusing. Lenders all have different rules on discounts, deposits, affordability and previous rent history, so it’s completely normal to have questions.

This FAQ hub brings together clear, practical answers on Right to Acquire mortgage eligibility, how the discount is treated by lenders, what documents you’ll need, and how your income and credit history are assessed. It’s designed to give you a solid foundation before you make any big decisions.

If you’d like personalised help, our advisers can review your Right to Acquire offer, check which lenders are most suitable, and guide you through the mortgage application from start to finish.