Smart Home Finance are specialists in helping local authority tenants take advantage of the governments Right To Buy scheme.

We handle everything from the initial application in obtaining a purchase price from the local authority, through to helping secure a mortgage to purchase your home.

We are able to recommend a solicitor who has the expertise in helping tenants with the conveyancing and legal work; helping with the purchase of your home.

Smart Home Finance are specialists in helping local authority tenants take advantage of the governments Right To Buy scheme.

We handle everything from the initial application in obtaining a purchase price from the local authority, through to helping secure a mortgage to purchase your home.

We are able to recommend a solicitor who has the expertise in helping tenants with the conveyancing and legal work; helping with the purchase of your home.

Smart Home Finance are specialists in helping local authority tenants take advantage of the governments Right To Buy scheme.We can provide mortgage advice from a wide range of lenders including high street household names and lenders not usually available directly to the general public where tenants have less than a 100% credit score. We arrange mortgages for both employed and self-employed people.

We arrange mortgages for both employed and self-employed people. 

Don’t worry if you are over 50 and think you will not be able to get a mortgage with an affordable monthly repayment.

We look at the valuation to make sure it is reasonable, so should we think the council valuation to be  too high, we will challenge this for you.

We will endeavour to ensure that you receive every penny of the discount you are entitled to. There are strict guidelines by law that set out timescales that your landlord must comply with to ensure your application is processed in a timely manner and we can help to ensure this is adhered to.

With Smart Home Finance, our aim is to provide a personal service which can be in the comfort of your own home. We provide a friendly service, allowing you to get on with your busy life. In short, we do the legwork.

Below are two examples of tenants we have helped from start to finish in purchasing their property.

Mr & Mrs P from Leicestershire approached us to help them initially complete the paperwork required to obtain a purchase price for their property and to advise them on the most suitable mortgage for their circumstances. 

Mr P was concerned that being self-employed for only two years and that Mrs P is currently a housewife looking after their young son it would be difficult for them to obtain a mortgage. We helped arrange a mortgage through a high street lender which they were able to set their monthly payment initially at £223 per month for the first five years of their mortgage.

This gave Mr & Mrs P peace of mind knowing that their payments would not increase in the near future and also made a saving of approximately £150 per month compared to their rent.

Mr & Mrs M of Leicestershire approached Smart Home Finance to help with the purchase of their council house.

Mr M being 56 years of age and having been considering purchasing for many years assumed he had left it to late. He was also worried that having had credit issues in the recent past, this would prevent him from obtaining the finance and if he could it, would be beyond his budget.

After initially meeting Mr & Mrs M in their home we were able to ascertain that due to them being tenants for a number of years they were entitled to a large discount off the purchase price of their property which they would be able to use as a deposit.

We helped to arrange a mortgage where by the repayments resulted in a saving of approximately £50 per month and also gave them the comfort and peace of mind that their mortgage payment will be the same for 10 years which is when Mr M plans to retire. They are also happy that at retirement they will no longer have a monthly mortgage or rent commitment which will allow them to enjoy a better quality of retirement.

The pros and cons of buying your council house: We can provide mortgage advice from a wide range of lenders including high street household names and lenders not usually available directly to the general public where tenants have less than a 100% credit score.

Advantage

The security of owning your own home.

Disadvantage

You will be responsible for the maintenance of your home and pay for unforeseen repairs.

Advantage

You are in control of any changes such as home improvements that you may wish to make to your home.

Disadvantage

You may get help with the rent, however with a mortgage you are unlikely too.

Advantage

Should you wish to move you are in control by choosing where you wish to live.

Disadvantage

With having a mortgage you have no control over your repayments when your fixed mortgage period ends because interest rates can go up as well as down.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up with the repayments on a mortgage or any other debts secured on it.

Right to Buy from Smart Home Finance copyWe can provide mortgage advice from a wide range of lenders including high street household names and lenders not usually available directly to the general public where tenants have less than a 100% credit score. 

We arrange mortgages for both employed and self-employed people. 

Don’t worry if you are over 50 and think you will not be able to get a mortgage with an affordable monthly repayment.

We look at the valuation to make sure it is reasonable, so should we think the council valuation to be  too high, we will challenge this for you.

We will endeavour to ensure that you receive every penny of the discount you are entitled to. There are strict guidelines by law that set out timescales that your landlord must comply with to ensure your application is processed in a timely manner and we can help to ensure this is adhered to.

With Smart Home Finance, our aim is to provide a personal service which can be in the comfort of your own home. We provide a friendly service, allowing you to get on with your busy life. In short, we do the legwork.

Below are two examples of tenants we have helped from start to finish in purchasing their property.

Mr & Mrs P from Leicestershire approached us to help them initially complete the paperwork required to obtain a purchase price for their property and to advise them on the most suitable mortgage for their circumstances. 

Mr P was concerned that being self-employed for only two years and that Mrs P is currently a housewife looking after their young son it would be difficult for them to obtain a mortgage. We helped arrange a mortgage through a high street lender which they were able to set their monthly payment initially at £223 per month for the first five years of their mortgage.

This gave Mr & Mrs P peace of mind knowing that their payments would not increase in the near future and also made a saving of approximately £150 per month compared to their rent.

Mr & Mrs M of Leicestershire approached Smart Home Finance to help with the purchase of their council house.

Mr M being 56 years of age and having been considering purchasing for many years assumed he had left it to late. He was also worried that having had credit issues in the recent past, this would prevent him from obtaining the finance and if he could it, would be beyond his budget.

After initially meeting Mr & Mrs M in their home we were able to ascertain that due to them being tenants for a number of years they were entitled to a large discount off the purchase price of their property which they would be able to use as a deposit.

We helped to arrange a mortgage where by the repayments resulted in a saving of approximately £50 per month and also gave them the comfort and peace of mind that their mortgage payment will be the same for 10 years which is when Mr M plans to retire. They are also happy that at retirement they will no longer have a monthly mortgage or rent commitment which will allow them to enjoy a better quality of retirement.

The pros and cons of buying your council house: 

Advantage

The security of owning your own home.51220724 (2)

Disadvantage

You will be responsible for the maintenance of your home and pay for unforeseen repairs.

Advantage

You are in control of any changes such as home improvements that you may wish to make to your home.

Disadvantage

You may get help with the rent, however with a mortgage you are unlikely too.

Advantage

Should you wish to move you are in control by choosing where you wish to live.

Disadvantage

With having a mortgage you have no control over your repayments when your fixed mortgage period ends because interest rates can go up as well as down.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up with the repayments on a mortgage or any other debts secured on it.

Right to Buy from Smart Home Finance copyWe can provide mortgage advice from a wide range of lenders including high street household names and lenders not usually available directly to the general public where tenants have less than a 100% credit score. 

We arrange mortgages for both employed and self-employed people. 

Don’t worry if you are over 50 and think you will not be able to get a mortgage with an affordable monthly repayment.

We look at the valuation to make sure it is reasonable, so should we think the council valuation to be  too high, we will challenge this for you.

We will endeavour to ensure that you receive every penny of the discount you are entitled to. There are strict guidelines by law that set out timescales that your landlord must comply with to ensure your application is processed in a timely manner and we can help to ensure this is adhered to.

With Smart Home Finance, our aim is to provide a personal service which can be in the comfort of your own home. We provide a friendly service, allowing you to get on with your busy life. In short, we do the legwork.

Below are two examples of tenants we have helped from start to finish in purchasing their property.

Mr & Mrs P from Leicestershire approached us to help them initially complete the paperwork required to obtain a purchase price for their property and to advise them on the most suitable mortgage for their circumstances. 

Mr P was concerned that being self-employed for only two years and that Mrs P is currently a housewife looking after their young son it would be difficult for them to obtain a mortgage. We helped arrange a mortgage through a high street lender which they were able to set their monthly payment initially at £223 per month for the first five years of their mortgage.

This gave Mr & Mrs P peace of mind knowing that their payments would not increase in the near future and also made a saving of approximately £150 per month compared to their rent.

Mr & Mrs M of Leicestershire approached Smart Home Finance to help with the purchase of their council house.

Mr M being 56 years of age and having been considering purchasing for many years assumed he had left it to late. He was also worried that having had credit issues in the recent past, this would prevent him from obtaining the finance and if he could it, would be beyond his budget.

After initially meeting Mr & Mrs M in their home we were able to ascertain that due to them being tenants for a number of years they were entitled to a large discount off the purchase price of their property which they would be able to use as a deposit.

We helped to arrange a mortgage where by the repayments resulted in a saving of approximately £50 per month and also gave them the comfort and peace of mind that their mortgage payment will be the same for 10 years which is when Mr M plans to retire. They are also happy that at retirement they will no longer have a monthly mortgage or rent commitment which will allow them to enjoy a better quality of retirement.

The pros and cons of buying your council house: 51220724 (2)

Advantage

The security of owning your own home.

Disadvantage

You will be responsible for the maintenance of your home and pay for unforeseen repairs.

Advantage

You are in control of any changes such as home improvements that you may wish to make to your home.

Disadvantage

You may get help with the rent, however with a mortgage you are unlikely too.

Advantage

Should you wish to move you are in control by choosing where you wish to live.

Disadvantage

With having a mortgage you have no control over your repayments when your fixed mortgage period ends because interest rates can go up as well as down.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up with the repayments on a mortgage or any other debts secured on it.