Right to Buy Calculator

Calculate your Right to Buy discount for council/housing association properties. Up to 70% off.

Last updated: April 2026 · Source: GOV.UK — Right to Buy: buying your council home

£

Your Purchase Price

£116,000.00

Discount: £84,000.00 (42%)

Market Value

£200,000.00

Discount

£84,000.00

Max Discount

£96,000.00

Disclaimer

This calculator is provided for informational purposes only and should not be considered as financial or tax advice. All calculations are performed locally in your browser — no personal data is collected or sent to our servers. Rates and thresholds are sourced from HMRC and GOV.UK and are updated for the current tax year. Always verify results with HMRC or consult a qualified professional before making financial decisions.

How It Works

Right to Buy allows eligible council tenants in England to buy their home at a discount. The discount depends on the property type and length of tenancy. For houses, the discount starts at 35% after 3 years of tenancy and increases by 1% per additional year up to a maximum of 70%. For flats, the discount starts at 50% and increases by 2% per year up to 70%.

Maximum discount caps are set annually: for 2025/26 this is £96,000 in London and £127,900 outside London. If you sell the property within 5 years, you must repay some or all of the discount on a sliding scale. Former council tenants can also use the Preserved Right to Buy if their home was transferred to a housing association.

This calculator shows the discount you are entitled to based on your tenancy length and property type. Enter the market value of your home, your tenancy start date and location to see the purchase price after discount, plus the repayment amount if you sell within 5 years.

Example: Council house in Manchester, 12 years' tenancy, valued at £180,000

  1. Discount: 35% + 9% (years 4-12) = 44%
  2. Discount amount: £180,000 × 44% = £79,200
  3. Check against cap: £79,200 < £127,900 cap — discount applies in full
  4. Purchase price: £180,000 − £79,200 = £100,800
  5. If sold after 3 years: repay 40% of discount = £31,680

Source: GOV.UK — Right to Buy: buying your council home

Frequently Asked Questions

What does the Right to Buy Calculator do?
Calculate your Right to Buy discount for council/housing association properties. Up to 70% off. All calculations are performed in your browser using official UK rates and thresholds.
Is this based on current interest rates?
You can enter any interest rate to model different scenarios. Check the Bank of England base rate and current mortgage deals from lenders for the latest rates.
Should I get professional advice?
This calculator provides estimates for guidance only. For a formal mortgage offer, speak to a mortgage broker or lender who can assess your full circumstances and provide personalised advice.