Get a Right to Buy Mortgage Approved Quickly

Bad Credit Mortgage Specialists

Click Mortgages can help arrange your Right to Buy Mortgage taking into account all your credit problems, from a missed credit card payment through to more serious issues such as bankruptcy.

Click Mortgages Consider All Credit Situations

Right to Buy is a scheme that allows tenants in public sector homes to buy property that they presently rent at discounted prices below the market rate. Click Mortgages can help arrange your mortgage taking into account all your credit problems, from a missed credit card payment through to more serious issues such as bankruptcy.

We can Help with All Credit Situations

  • Low Credit Score
  • Missed Credit Card Payments
  • Defaults
  • CCJ’s
  • Debt Management
  • IVA
  • Bankruptcy
  • All Situations

Right To Buy Mortgages arranged for all types of situations including:

  • Borrow up to 100% of the Discounted Price
  • Different types of property
  • High Rise Flats can be accepted
  • Unusual Construction
  • Credit Problems Accepted

How do I Get a Right to Buy Mortgage?:

  • Contact Us to discuss your situation
  • We will assess your Credit History
  • We quickly review lender options
  • We will give you a detailed quote of the best solution
  • Our expert team will guide you every step of the way

Right to Buy Mortgages, some highlights:

  • Fixed Rates – get a fixed rate and have stability of payments

  • Borrow up to 100% of The Discounted Price, no deposit required
  • Incomes – All Types of incomes can be used including Tax Credits
  • Recent Employment – options with no minimum time in your job
  • Self Employed? – Only 1 years accounts required

5 star Feefo Reviews

We have lots of happy clients 

Expert Advisers

Expert Advisers who understand credit problems, will guide you personally throughout the transaction.

Taking the next step

We are here to help you get the mortgage you need. 

Find Out How We Can Help You

Other Mortgages We can Help you With.

First Time Buyer

Borrow up to 95% with past credit issues

Right To Buy

Borrow up to 100% of the discounted price

Help to Buy

Only 5% deposit required


Repay Debts, Raise money for any purpose

Buy To Let

Purchase or Remortgage for any purpose

Property Purchase

Next Time Buyer up to 95% with past credit issues

Shared Ownership

Only 5% Deposit Required

Contractor Mortgages

Lending amount can be based on your daily pay rate

Credit Problems

We are experts at arranging mortgages with credit problems

Guarantor Mortgages

You can borrow higher amounts with a guarantor

Fixed Rate Mortgages

Get a Low Fixed Rate even with credit problems

Separation or Divorce Mortgages

Remortgage and Buy out your ex.

Got Questions?


Here are some of the most common questions, along with answers from our support experts.

We specialise in arranging Mortgages for clients with all sorts of credit issues from a missed credit card payment through to bankruptcy, this is our area of Expertise.

Most traditional High Street lenders do not offer Adverse credit mortgages, as the lending they do is primarily based around a High Credit Score. People with credit issues tend to have lower credit scores, however there are a range of Specialist Lenders who are fully regulated by the FCA that are willing to accept clients with credit problems. These lenders only accept clients that are introduced to them from an “Approved Broker” such as ourselves.

Specialist Lenders tend to look at when the credit problems occurred rather than using a pure credit score so this is a much more personal individual assessment. Specialist lenders tend to use a ‘soft’ credit search at this stage so this has no impact on your credit rating but allows the lender to understand your overall financial situation. We will assess your circumstances and choose the best lender and plan to meet your needs.

For a Right to Buy Purchase normally we can use the discount you receive as the deposit so there is no need for a personal deposit.

Lenders take into account many factors, such as the property type, income details and credit history etc. By using our services we can assess these aspects and arrange your mortgage with the best lender for your personal situation.

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