Helping tenants get on the housing ladder

The specifics of the Right to Buy scheme can vary depending on the different regions of the UK.

Under the Right to Buy scheme, tenants in SHA properties may have the right to buy their homes if they meet certain criteria. These criteria generally include:

1. The property is their main residence
2. Having been a tenant of SHA for a specified period, typically at least three years (secure tenancy)
3. The property is not being adapted or specifically designed for older or disabled people

If you meet the eligibility criteria, you may have the opportunity to purchase your housing association property at a discounted price. The discount amount can vary based on factors such as the length of your tenancy and the type of property you’re buying.

It is important to note that not all housing association properties are eligible for Right to Buy. Some properties may be exempt, such as those designated for older or disabled people or where homes have a special agreement with the housing association.

To exercise your Right to Buy, you will typically need to write to SHA expressing your interest in purchasing your property. SHA staff will provide the necessary application forms and guide you through the process. It’s advisable to seek independent legal and financial advice before proceeding with any purchase.

Upon receiving your letter and making an assessment, SHA will base your discount on:

• The value of your property on the market
• Length of time you have been a public sector tenant
• The type of your property that you want to buy
• Other eligibility checks

Where Right to Buy scheme does not apply

A Right to Buy application may be rejected on these grounds:

• Where the tenant does not have a secure tenancy
• You have less than 3 years of public-sector housing tenancy
• The property is under a possession order
• The property is subject to a demolition notice
• The property is sheltered housing
• The applicant is undischarged bankrupt, has a pending bankruptcy case or has an arrangement with creditors
• The applicant has a court order suspending a Right to Buy application, e.g. for antisocial behaviour
• The property is specifically suitable for elderly people and the tenant is of pensionable age or is disabled
• Other conditions may apply, e.g. 3rd party lease agreements

SHA and the local authority work closely to assess risk and investigate applications to ensure validity through consented data search.