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When everyone has a home

Housing advice for Northern Ireland

Help to buy a home

There are a few different schemes that may be of assistance if you are planning to buy a home in the near future.  These include shared ownership schemes, where you part buy and part rent, a rent to buy scheme that will pay you a rebate on some of the rent you’ve paid and government backed savings schemes which will give you a bonus to add to your deposit. 
 
You should think carefully and get trustworthy, independent advice before deciding to buy a home. There may be a more suitable housing option for you.  

Shared ownership means you buy a part of a property and someone else buys the rest. You then pay rent on the part of the property you don't own. 

Northern Ireland has two shared ownership schemes

  • Co-ownership Housing, and
  • FairShare

The government’s Help to Buy initiatives include access to mortgages for those people who only have a 5% mortgage and a savings bonus scheme for people saving towards a deposit on their first home.

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 20% rent rebate to the tenant if the tenant decides to buy the property at the end of their tenancy.

Secure Housing Executive tenants have a right to buy the home they live in, as long as they and the property are eligible for the scheme.

The right to buy for housing association tenants ended on 28 August 2022.