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When everyone has a home

Housing advice for Northern Ireland

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When a relationship fails you might not want to continue living together. Your rights to stay in your home often depend on whether you own or rent your home and what kind of tenant you are.

The Housing Executive has the authority to approve other grants, aside from the Disabled Facilities Grant and the Repair Grant. However, the Housing Executive will only approve the payment of these grants in very extreme circumstances. Grants will only be approved if the Housing Executive believes that there is an imminent and serious risk to the health or safety of the person living in the property.

Your rate bill is worked out by multiplying the capital value of your property by the total of the domestic regional rate and the domestic district rate. The regional rate is set by the NI Assembly each year. The district rates are set by each local council.

Get advice as quickly as possible if you’re homeless or likely to be homeless. You can speak to one of our advisers at Housing Rights if you need to find out what your options are.

Once you’ve found a property you like you’ll need to make an offer, arrange a mortgage and appoint a solicitor to help you complete the process.

There are a lot of hidden costs when you’re buying a house and it can be a long and sometimes frustrating process. You’ll be asked to pay various fees and charges and you need to budget for these.

You're only entitled to 3 reasonable offers. If you're offered a property that you don't want you'll lose one of these offers unless you can show the Housing Executive or housing association that the offer wasn't reasonable. How you challenge the decision depends on whether you've passed the 4 homelessness tests of not.

The main piece of legislation which deals with homelessness in Northern Ireland is the Housing (NI) Order (1988) which has been amended by lots of later legislation. This amended order explains the Housing Executive’s responsibilities towards people who are homeless or who are likely to become homeless.

Make a list of all your debts. Check the bills or reminders that have been coming through the post and go through your bank statements to see what direct debits are being taken out of your account. Sort these into priority debts and non-priority. If you don’t pay priority debts you could lose your home or lose essential services.

Find out how much money you'll have when you retire using this calculator from the Money Advice Service

If you are interested in buying a new build home, but don't have enough money saved up for a deposit yet you should look into the Rent to Own scheme for Northern Ireland. It gives potential purchasers a three year tenancy of a new build property and then issues a 25% rent rebate to the tenant if the tenant decides to buy the property at the end of their tenancy.

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