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When everyone has a home

Housing advice for Northern Ireland

Buying

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.

Budgeting and money tools

Use these calculators to work out where you can make savings and how long it will take you to repay your debts.

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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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Buying or selling a home

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.

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Applying for right to buy

Once you've been a tenant for 5 years you may be able to buy your home. The amount of discount you'll get increases depending on how long you've lived in the property. Some property types can't be bought because they are difficult to come by and needed for social housing stock.

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Applying for right to buy

Once you've been a tenant for 5 years you may be able to buy your home. The amount of discount you'll get increases depending on how long you've lived in the property. Some property types can't be bought because they are difficult to come by and needed for social housing stock.

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Selling process

The process for selling a home is generally the same for all people, whatever the reason for the sale. Most people will use an agent to market the property and you will have to pay a fee for this. You can sell your home privately but it can be harder to find buyers this way.

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Buying or selling a home

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.

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Selling former Housing Executive or housing association property

You can sell your home on if you bought it from the Housing Executive or a housing association. However, if you got a discount on the purchase price you might have to pay this back.

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Leaseholders, freeholders and ground rent

Property sales are either on a leasehold or freehold basis. When you buy a freehold property you own the property and the land it sits on. If your property is a leasehold property you’ll have to pay an annual charge, known as ground rent, to the person who owns the freehold.

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Right to buy

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

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