Council Right to Buy Mortgage ? Helping Everyone Have a Home of

"We will help every Council Tenant to become Home Owners" With these historic words Margaret Thatcher initiated an equally historic concept of council right to buy scheme. However, the groundwork for this scheme had been laid much before in the 70s under the reigns of the labour government.

The council right to buy scheme, without being embroiled in any controversy regarding who set off the council right to buy scheme, was indeed momentous. It led many people, who would never have thought (capable would be a more appropriate word to describe their situation) to have their own homes.

So what is council right to buy scheme? Council right to buy scheme is a scheme under which the council tenants are eligible to buy the house in which they have been living.

Therefore, what is that which distinguishes the council right to buy scheme from the other schemes? It is different because the customer would have to pay much lesser than what he would have paid had he bought the house in the open market. This is because the customer is entitled to a discount for the number of years that he was staying in the house as a tenant.

The rate of discount varies with the type of residence and the location of the residence. A person residing in a house will be eligible for a discount of up to 30% with a further discount of 1% for every year lived as a tenant of the house. In cases of flats or maisonettes the rate of discount ranges from 44% to 70%, but not exceeding Ł38,000. The maximum rate of discount is admissible only in a few localities like the posh London and the Southeast areas of England.

To avail the scheme one must be a council tenant. A council tenant is a secured tenant who has been living since 5 years or more (the limit has been changed from 2 years with effect from 18th January 2005) in any of the following:

? District council

? London borough council

? Non-charitable housing association or other registered social landlord

? Housing action trust.

? County council or another similar body

Numerous lenders who have sensed the importance of the scheme offer mortgages especially designed to facilitate such purchases. These mortgages are called council right to buy mortgage. A council right to buy mortgage offers to pay the price of the house. This will be an added attraction to the tenants to go for the scheme. The council tenants can pay off to the council from whom the house has been purchased, and then pay to the mortgage provider in easy and affordable installments. In fact, the monthly installment, which the tenant will have to pay, is lesser than the rent he had been paying. Moreover, while the rent is a sunk cost, the monthly installments facilitate you to have your own home.

Getting a council right to buy mortgage is not that easy. One must start the search process right from the day when they get the offer. The approval process normally takes around 3 months. To start the search late would mean getting the mortgage late. This could mean losing on the offer for council right to buy. The council tenant must also undertake a full structural survey of the property.

The customer must be fully aware of the various formalities that need to be met in case of a council right to buy mortgage. The net can provide enough information about the mortgages. Independent financial advisors can provide useful advice about the various intricacies of the mortgage. A solicitor appointed by the council tenant will act on his behalf in all legal formalities. The solicitor will help in the documentation part of the council right to buy which includes forms like RTB1, RTB2, Section 125 notice, etc.

Next, one has to sort out one mortgage provider from the numerous contenders. This is the most basic step and astuteness in this step will decide how the mortgage fares in the long run. The initial screening can be done through the net. The mortgage providers have compiled the information about their operations and the products that they offer on their websites. Careful study of the information will help give a manageable list of 10-20 mortgage lenders. These mortgage lenders can be requested for their no obligation mortgage quotes. Few more mortgage providers are ousted in this stage. The customer then personally meets the remaining mortgage providers. This is the final stage of the selection process.

The last step will be to decide the amount of mortgage to be taken. This will be derived after valuation of the house by the council or housing association and deducting the discounts from the price.

Treading in a step by step manner will be time consuming but will ensure that one does not has to repent later. You would surely cherish the output, which this effort leads to. The output will be your home-your own home, a perfect allurement, for which you will be ready to take any efforts.

James Taylor works for the personal loan web site http://www.chanceforloans.co.uk.To find a Personal Loans, secured Loans,unsecured loans and mortgage that best suits your needs visit http://www.chanceforloans.co.uk.

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://abcnews.go.com/Politics/Vote2008/story%3Fid%3D6005513%26page%3D1cid=1256387440ei=k2fxSMjyBqiY6AOkrNm3Bwusg=AFQjCNHSF6FZ1c8OTO3AXPM4yS1QkC1hwQimg src=http://news.google.com/news?imgefp=nIw2lQ5tP5sJimgurl=a.abcnews.com/images/US/ap_cindy_mccain_081010_mn.jpg width=80 height=60 alt= border=1brfont size=-2ABC News/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bizjournals.com/phoenix/stories/2008/10/06/daily66.htmlcid=1256387440ei=k2fxSMjyBqiY6AOkrNm3Bwusg=AFQjCNG10Ed4dSAtUi7YFvHr3uWepMS_TAMajority backs McCain’s $300B bmortgage/b plan/abrfont size=-1font color=#6f6f6fBizjournals.com,nbsp;NCnbsp;-/font nobrOct 10, 2008/nobr/fontbrfont size=-1John McCain, R-Ariz., that would have the federal government buy distressed and upside down mortgages and brefinance/b them so homeowners can avoid b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.lehighvalleylive.com/elections/index.ssf%3F/base/news-0/1223525108274210.xml%26coll%3D3cid=1256387440ei=k2fxSMjyBqiY6AOkrNm3Bwusg=AFQjCNFBrXpGZpcraAWDX3zriTDsnNC51gLEHIGH VALLEY PHOTOS/a font size=-1 color=#6f6f6fnobrThe Express Times - LehighValleyLive.com/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256387440hl=ennobrall 687 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601103%26sid%3DauCx6MK3NPgc%26refer%3Duscid=1256388877ei=k2fxSMjyBqiY6AOkrNm3Bwusg=AFQjCNF2lGXenT7CGOHeWySIHAbO72Z4MAMcCain#39;s bMortgage/b Plan Calls for Lowering Rates for Homeowners/abrfont size=-1font color=#6f6f6fBloombergnbsp;-/font nobrOct 10, 2008/nobr/fontbrfont size=-1By Sharon L. Lynch Oct. 10 (Bloomberg) -- Republican John McCain#39;s plan to brefinance/b distressed home loans includes cutting bmortgage/b rates to just above 5 b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://seattletimes.nwsource.com/html/realestate/2008253492_autumn12.htmlcid=1256388877ei=k2fxSMjyBqiY6AOkrNm3Bwusg=AFQjCNFLco1qshgqcgMt8io-vrrltGVWTgUS foreclosure-rescue plan not selling well/a font size=-1 color=#6f6f6fnobrSeattle Times/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256388877hl=ennobrall 2 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.100mortgages.org/20081008/fixed-30-year-mortgage-rates-improve/cid=1255478429ei=k2fxSMjyBqiY6AOkrNm3Bwusg=AFQjCNEnf0xpYYwyb7hG7As9bxhW2XClRQimg src=http://news.google.com/news?imgefp=G_VhJ4dGKeAJimgurl=www.100mortgages.org/wp-content/img/2008/10/american-flag44.jpg width=80 height=57 alt= border=1brfont size=-2100 Mortgages/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601103%26sid%3Da6D1zozXRcb0%26refer%3Dnewscid=1255478429ei=k2fxSMjyBqiY6AOkrNm3Bwusg=AFQjCNHfb74Pyu283uWDikYxo9KcbS43dwUS MBA#39;s bMortgage/b Applications Index Rose 2.2% Last Week/abrfont size=-1font color=#6f6f6fBloombergnbsp;-/font nobrOct 8, 2008/nobr/fontbrfont size=-1The bMortgage/b Bankers Association#39;s index of applications to purchase a home or brefinance/b a loan increased 2.2 percent to 465.5 from 455.4 the prior week. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.boston.com/realestate/news/blogs/renow/2008/10/rates_on_the_de.htmlcid=1255478429ei=k2fxSMjyBqiY6AOkrNm3Bwusg=AFQjCNHMpxb0BJWnqdoeH1To4BCaPZKqFgRates on the decline/a font size=-1 color=#6f6f6fnobrBoston Globe/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/mortgage-applications-rose-22-last/story.aspx%3Fguid%3D%257B30541BCE-841D-4BA6-8825-0BAD8D77174A%257D%26dist%3Dmsr_1cid=1255478429ei=k2fxSMjyBqiY6AOkrNm3Bwusg=AFQjCNENno5SDeJyh-WgiyemBG8ml1HUawbMortgage/b applications up 2.2% last week/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.inman.com/news/2008/10/8/lower-rates-stoke-mortgage-appscid=1255478429ei=k2fxSMjyBqiY6AOkrNm3Bwusg=AFQjCNHB0Fg3en_2qplfUcQxvny-qK9GvALower rates stoke bmortgage/b apps/a font size=-1 color=#6f6f6fnobrInman.com/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://originatortimes.com/content/templates/%3Fa%3D3618%26z%3D3cid=1255478429ei=k2fxSMjyBqiY6AOkrNm3Bwusg=AFQjCNFcdPZuiPAqrHMnAzSTpcr1DmcUtwnobrOriginator Times/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.housingwire.com/2008/10/08/mortgage-applications-rise-or-fall/cid=1255478429ei=k2fxSMjyBqiY6AOkrNm3Bwusg=AFQjCNF7zAdOYq1SKm2XCrE5ODpDDmPPZQnobrHousing Wire/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255478429hl=ennobrall 16 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.mysanantonio.com/business/30728009.htmlcid=0ei=k2fxSMjyBqiY6AOkrNm3Bwusg=AFQjCNG7Aes5V-RGPW0iH-JI11TAKqOdKAIlyce Glink: Want to brefinance/b? Watch the rates/abrfont size=-1font color=#6f6f6fSan Antonio Express,nbsp;TXnbsp;-/font nobrOct 10, 2008/nobr/fontbrfont size=-1Should I brefinance/b both of these loans into a 30-year bmortgage/b or wait and see what happens in the next 31/2 before the rate on the ARM goes up? b.../b/font/div/font/td/tr/table
mortgage refinance - Google News

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