Jason Bailey

Expertly compared by Jason Bailey

Products Updated October 12, 2021


Mortgages for Ex-Council Homes

If you wish to secure a mortgage or remortgage on an ex-council or local authority home then our mortgage experts can quick search the market to find you a good deal.


Free mortgage advice and brokerage service. Our experts can find you the perfect deal from thousands of products & exclusive deals:

Your home may be repossessed if you do not keep up repayments on your mortgage.

Results:1 providers expertly compared:

Lending Expert


This provider is our Expert’s Choice in its category as it won tops marks for the following.


Learn more about how we review and assess the providers here on Lending Expert.

60% - 100%

Initial Rate
1.19% - 4.32%

Standard Rate (SVR)
3.94% - 4.79%


Variable & 3 ,5 & 10 Fixed Rate

Rated 4.9/ 5

All credit types

The mortgage experts at First Choice Finance can quickly assess your requirements and search the market place to find you the perfect mortgage deal. Click get a quote to make an enquiry today.

Read our customer and visitor reviews for this product:

Rating: 4 / 5 with 2 votes

Simple application process

by K Wheeler

Simple application process - broker was kind and offered advice.

Quick search

by James Hilton

This is a quick mortgage search facility and shows many lenders across the market. Impressed with the level of detail on each product.

Get an Ex-Council Home Mortgage With Lending Expert

If you’re looking to secure an ex-council home mortgage, or remortgage, then our team of experts can help. All you need to do is fill in some basic information for us and we’ll match you with a broker that is most likely to accept your application and give you the best rates. Start your application with Lending Expert today! 


Key Points

  • You’re able to secure an ex-council home mortgage with Lending Expert
  • Some lenders are more reluctant to lend for ex-council homes
  • Many lenders impose a maximum loan-to-value on ex-council homes. This is because they want to protect themselves from potential value drops


What Is an Ex-Council Home Mortgage?

An ex-council home mortgage is a loan that is specifically designed to help you buy an ex-council property. You can start your Lending Expert application for an ex-council home mortgage today.

Our professional team will offer you expert advice on the best loan for you to get an ex-council home mortgage. We will compare hundreds of ex-council home mortgages for you and only suggest ones that are likely to accept you and your personal circumstances. 

You can start by clicking on ‘Check my Eligibility’ below. We’ll ask you to enter some basic details about you and your property, then Lending Expert will do all the hard work for you!


In Which Areas Can I Get an Ex-Council Home Mortgage?

Lending Expert proudly offers ex-council home mortgages right across the UK including, but not limited to:

  • Birmingham 
  • Bristol
  • Cardiff 
  • Glasgow 
  • Leeds
  • Liverpool
  • London
  • Nottingham
  • Sheffield


Why Should I Get an Ex-Council Home Mortgage?

There are many reasons why someone may choose to get an ex-council home mortgage. These include, but aren’t limited to:

  • Council properties are often located in convenient areas
  • They usually have bigger rooms with more outside space compared to similar properties in the area built by private developers
  • You can get more value for your money with an ex-council home
  • These homes are usually of a high quality as the local authorities did not want to be burdened with ongoing maintenance of council properties


What Are the Drawbacks of an Ex-Council Home Mortgage?

There can also be some drawbacks to purchasing an ex-council home, including the following:

  • Many ex-council homes are built with concrete, classing them as non-standard construction
  • These homes may not be energy efficient nowadays, so will incur high energy bills
  • These properties were built to last, not to look nice
  • Some people wrongfully stereotype council homes, and by default, ex-council homes



Why Should I Use Lending Expert for My Ex-Council Home Mortgage?

Here at Lending Expert, we work with a number of high street banks and specialist mortgage lenders. We have access to over 1,000 mortgage deals and are in the perfect position to help you get approved for your ex-council home mortgage and get the best rates. Our eligibility checker is completely free to use and can provide an indicative quote, with no obligation. 

Start your application online today at Lending Expert with our quick and easy application form. 


Is It More Difficult To Get an Ex-Council Home Mortgage?

It can be more difficult to get an ex-council home mortgage as some lenders are reluctant to lend on certain types of property. On top of this, some lenders may be put off by the area in which the property is in if there is a high volume of council properties.

Lenders are primarily concerned about their own funds. If they deem an applicant to be too risky, then they won’t loan the funds they need. Lenders calculate risk based on an applicant’s credit rating, ability to pay, and the potential resale value of the property.

In addition, some lenders will not lend to properties that are built from certain types of concrete. Many of these properties were built in the post-war housing crisis of the 1950s and ‘60s, and have since been sold into private ownership.

Other lenders refuse to lend on flats within blocks of a certain amount of stories. For these lenders, it won’t matter if the flat is on a lower floor. Some lenders also won’t lend to flats with external walkways to access the flats.


Why Do Lenders Impose a Maximum Loan-To-Value on Ex-Council Home Mortgages?

Many lenders impose maximum loan-to-value (LTV) on ex-council homes in order to protect themselves from potential property value drops. This in turn means that you may have to pay a larger deposit than you may have expected for an ex-council home mortgage.

To illustrate, a lender may have a maximum LTV of 90% on houses, but 85% on ex-council houses. Similarly, they may have a maximum LTV of 80% on flats, but 75% on ex-council flats.