phoneTwitterFacebook
ear
 
When everyone has a home

Housing advice for Northern Ireland

Homeowner

CORONAVIRUS UPDATE

You are usually responsible for carrying out any repairs or improvements once you have bought your home. It's very difficult to get grant approval from the Housing Executive to help you with the cost of repairs. These days, this type of grant will only be awarded if the Housing Executive believes the condition of the property is likely to cause a very real and very serious risk to the life of the person living in it.

Your lease will outline whether the freeholder has any responsibility for repairs. If you own a leasehold flat the freeholder may be responsible for repairs to the structure of the building, or shared areas. If you own a leasehold house it is unlikely that your freeholder will be responsible for repairs.

If a loan has been secured on your home the lender can try to repossess the property if you don't pay the loan back.

Buying your own home is a huge financial commitment. It's important that you do your research and fully understand your options before you commit to anything. If you can't afford to pay the full purchase cost of a property you might be able to part buy and part rent the property with the help of Co-ownership Housing Association.

If you own your home, you bear the full responsibility when something goes wrong. Make sure you have sufficient insurance cover in place to protect your home and contents in case of strong winds, snow and ice. Making sure your home is insulated and heated can reduce the risk of water damage in your home during a bad winter.

Almost everyone who lives in a property in Northern Ireland has to pay rates. Rates pay for services throughout Northern Ireland; like schools, hospitals and roads; and for services in your local area; like bin collection, parks and leisure centres. The amount you pay depends on the value of your property and which council area it is in. You can get help to pay your rates if you're on a low income or receiving certain benefits.

Getting into difficulties with your mortgage payments is often easier than you think, so the sooner you tackle your financial problems, the better the result may be for you.

Once the court reached a decision that you have to leave your home, your lender must apply to the Enforcement of Judgements Office to enforce the decision. You will have to pay the Enforcement of Judgements Office fees. These will probably be added to the balance owed on your mortgage.

Use these letter templates if you need to negotiate with a lender, landlord or other creditor about debt problems

If a loan has been secured on your home the lender can try to repossess the property if you don't pay the loan back.

Pages

Subscribe to RSS - Homeowner Subscribe to Homeowner