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When everyone has a home

Housing advice for Northern Ireland

Paying for a home

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

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.

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.

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.

Utility costs can be hard to budget for, particularly if you get a bill rather than using a pay as you go meter. You can switch your utility supplier if you can get a better deal elsewhere. There are lots of comparison websites about that can help you decide if switching supplier can save you money.

You can apply for financial help if you have an emergency. This includes help with rent in advance if you have to move suddenly or need to buy essential items for your new home. 

You need to apply for this help over the phone. Call Finance Support on 0800 587 2750 to apply. The phone lines can get very busy so you may need to try several times before you get through. 

Whether you own your home or rent it, you need to have contents insurance. Homeowners will also need to have buildings insurance and may have to have life assurance as part of the conditions of their mortgage. Insurance protects you against risk. In return for this cover, you pay a premium to the insurance company. You can usually pay your premiums in a lump sum or in monthly deduction

Dacă închiriați o locuință, trebuie să plătiți chirie proprietarului. Dacă nu plătiți chiria, puteți fi evacuat. În majoritatea cazurilor, trebuie de asemenea să plătiți un depozit proprietarului, înainte de începerea închirierii, și mulți proprietari privați solicită plata chiriei lunare la începutul lunii.

Your rate bill is worked out by multiplying the capital value of your property by the total of the domestic regional rate and the domestic district rate. The regional rate is set by the NI Assembly each year. The district rates are set by each local council.

Chiria de obicei acoperă suma impusă de către proprietar pentru a vă da dreptul să locuiți în locuință. Uneori chiria include cheltuieli adiționale, cum ar fi pentru facturi sau întreținere. Acest tip de chirie se numește chirie inclusivă.

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