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Can I buy the home I rent?

If you’ve been a tenant for three or more years, you may be able to buy your home at a discounted price.

There are two ways to do this:

  • Right to buy
  • Right to acquire

Right to buy

You might be able to buy your home if:

  • You have a secure tenancy given to you by St Helens Council before July 1st  2002 and
  • You don’t live in sheltered housing or housing specifically for elderly or disabled people
  • You don’t have or have cleared any arrears and there is no possession notice in force

The discount depends on how long you have held your tenancy (with St Helens Council) for.

The Government right to buy calculator will give you an idea.

Right to acquire

You might be able to buy if:

  • You have a tenancy given to you by Helena after July 1st 2002
  • You don’t live in sheltered housing or housing specifically for elderly or disabled people
  • You don’t have or have cleared any arrears and there is no possession notice in force

The discount is a fixed sum of £9,000 and is deducted from the open market value of the property. 

You can find out more about your right to acquire here.

Can I afford to buy?

We recommend you look at local property prices and the mortgage amount you may need before you apply to buy.

Things to consider:

  • You’ll need to pay for solicitors’ costs, a survey, a mortgage arrangement fee
  • You may need a mortgage
  • You’ll be responsible for all property repairs
  • You’ll be responsible for paying any service charges for communal areas
  • You’ll need to pay for buildings insurance

 

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