You could buy your house with a no deposit mortgage if you’ve had a public sector landlord for at least three years. For example, a council, housing association or NHS trust. This doesn’t have to be three years in a row).
The discount is based on:
- how long you’ve been a tenant
- the type of property you’re buying – a flat or house
- the value of your home
If you’re buying with someone else, you count the years of whoever’s been a public sector tenant the longest.
You’ll usually have to repay some or all your discount if you sell your home within 5 years.