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When everyone has a home

Housing advice for Northern Ireland

Homeowner

CORONAVIRUS UPDATE

Lots of people are struggling to manage with housing issues because of the coronavirus crisis. Check out our Coronavirus section for information and advice on common problems, including help to pay your rent and mortgage, eviction and repairs.

Repaying your debt

Lots of people get back on their feet after falling into arrears and manage to keep their home. Falling behind on your mortgage doesn't mean you'll have to hand back your keys or that you'll have to pay everything you owe in a lump sum. Your lender should offer you a range of options to help you get back on track.

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Claiming against your insurance

If your home has been damaged your insurance may cover the cost of repairs. Read your policy and make sure that the damage is covered. Your policy documents will tell you what to do if you need to make a claim.

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Negative equity in Northern Ireland

You're in negative equity if you owe more on your mortgage or secured loan than your home is currently worth. Selling your home won't clear your debts.

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Paying off your outstanding debts

If the money from the sale of your home isn't enough to cover your debts, you will still owe the outstanding amount to your lender or mortgage indemnity insurer.

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Mortgages

Most people need to apply for a mortgage when they’re buying a home. This is a long term loan from a bank or building society. The loan is secured on your home so if you stop paying the bank can repossess the property. You should speak to an independent financial adviser to find out which type of mortgage is best for you.

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Possession order granted against your home

If the Chancery Master grants your lender possession, the lender has to apply to the Enforcement of Judgments Office to enforce the court's decision. Even at this late stage, you may be able to avoid having to leave your home if you can come up with a realistic proposal of repaying the money owed.

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Problems of sale and rent back

If you’re struggling to meet your mortgage payments, you may also be tempted to consider selling your home and renting it back through a mortgage rescue scheme.

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Getting help to stay in your home

If your current housing situation doesn't suit your needs it's natural to think you might have to move. But, with the right help and support, you may be able to continue living in your current home. While housing waiting lists are so long and renting privately can be expensive it's worth checking if you can do something practical to allow you to continue living where you are.

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Compulsory redevelopment of an area or Vesting

Areas with large numbers of houses in disrepair can be vested by the government. In Northern Ireland this work is normally done by the Housing Executive. This means that owners of these properties are legally required to sell them to the Housing Executive. The Housing Executive will buy these properties at their current market value and redevelop the area for social housing.

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Choosing a mortgage

Most people need to apply for a mortgage when they’re buying a home. This is a long term loan from a bank or building society. The loan is secured on your home so if you stop paying the bank can repossess the property. You should speak to an independent financial adviser to find out which type of mortgage is best for you.

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