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When everyone has a home

Housing advice for Northern Ireland

Mortgage

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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Court hearing for possession - watch what happens video

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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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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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Applying for a mortgage

You’ll normally apply for a mortgage after you’ve had an offer accepted on a property. Mortgage offers usually last for 6 months. If the sale hasn’t completed within that time you may need to reapply.

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Switching mortgages

If you already have a mortgage, you may want to switch to a different mortgage or a different lender to get a better deal. This may save you money, and it may be possible to arrange temporary or long term changes. You should check your mortgage agreement to see whether you would have to pay redemption fees.

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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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Finding a home to buy

You can start your research by checking out property websites online. This will give you an idea of the properties within your budget that are available in your area. Visit estate agents in the area that you want to live in, but remember that agents are working on the seller’s behalf and are trying to get the highest possible price for the property.

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The buying process

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.

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Problems when buying a home

You may encounter problems when trying to purchase your home. This can be a long and frustrating process.

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