Right to Buy Calculator

Right to Buy Calculator

Estimate an England Right to Buy percentage discount, the regional cash-cap effect and an indicative purchase price.

Estimate your Right to Buy discount

Current percentage rules start at three completed years.

Enter an amount only if your landlord has provided one.

Estimated Right to Buy result

Percentage before cash cap
Percentage-based discount
Regional cash cap
Estimated final discount
Indicative purchase price
Price plus entered buying costs

Discount limited by cash cap
Previous-discount reduction entered
Cost-floor reduction entered
Effective discount as percentage of value

Your landlord’s formal Section 125 offer determines the actual value, discount and purchase price.

Current discount formula

For a house, the discount starts at 35% after three completed qualifying years and remains 35% through year five. It then increases by one percentage point for each additional completed year. For a flat, it starts at 50% and increases by two percentage points for each completed year after year five. Both stop at 70%.

Actual discount: the lowest applicable amount after comparing the percentage calculation with 70% of the property value and the regional cash maximum, then applying any valid reductions.

Regional cash maximums

Region Maximum Exception
North East £22,000 None listed
North West £26,000 None listed
Yorkshire and the Humber £24,000 None listed
East Midlands £24,000 None listed
West Midlands £26,000 None listed
Eastern £34,000 £16,000 in Watford
South East £38,000 £16,000 in specified districts and boroughs
South West £30,000 None listed
London £16,000 £38,000 in Barking and Dagenham and Havering

The regional caps and percentage rules come from the current GOV.UK Right to Buy discount guidance. The reduced cash caps apply to applications received from 21 November 2024. Older applications can use different limits and should not use this calculator.

Worked example

A North West house valued at £220,000 with 12 completed tenancy years gives a percentage rate of 42%: 35% plus seven percentage points after year five. The percentage amount is £92,400, but the regional maximum is £26,000. With no other reductions, the estimated purchase price is therefore £194,000.

Why the formal offer can differ

The landlord can reduce the discount because of an earlier Right to Buy purchase or recent spending on building, buying, repairing or improving the home. Eligibility, preserved rights, property exclusions and the application date also matter. The calculator accepts entered reductions but cannot decide whether they legally apply.

Buying costs and affordability

The purchase price is not the full cash requirement. Buyers may also face solicitor fees, surveys, mortgage costs, insurance, repairs and leasehold service charges. Flats can include major-works liabilities, so review the landlord’s offer and service-charge information carefully.

Related UK calculators

Important: This calculator is an illustration for current England rules, not legal, mortgage or financial advice. Right to Buy is different in other UK nations. Confirm eligibility, valuation, reductions and the final discount with your landlord.

Frequently asked questions

How many tenancy years are needed?

The current England percentage rules start after three completed qualifying years, but other eligibility conditions also apply.

What is the maximum percentage discount?

The percentage discount is capped at 70% of the property value and is also limited by the regional cash maximum.

Do flats receive a larger starting percentage?

Yes. Flats start at 50%, while houses start at 35%, subject to the same 70% ceiling and regional cash cap.

Can the landlord reduce the discount?

Yes. Previous Right to Buy discounts and the cost-floor rules can reduce the amount shown in the formal offer.

Does the calculator include mortgage payments?

No. It estimates the discount and purchase price. Mortgage affordability, interest and monthly payments require separate calculations.


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