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When everyone has a home

Housing advice for Northern Ireland

Paying for a home

If you qualify for the Disabled Person's Allowance or the Lone Pensioner Allowance you will get a discount on your rates bill.

Наема обикновено само обхваща сумата, наемодателят ви взима за живее в имота. Понякога под наем също така се включват пари за други неща като сметки или поддръжка. Това се нарича цялостен наем.

If you are on remand awaiting trial, it is usually best that you try holding onto your home. The court may decide to release you or you may serve only a short sentence, so having a home to get back to is very important.

When a private tenant applies for housing benefit, the Housing Executive will normally calculate how much housing benefit that person will get based on the appropriate Local Housing Allowance rate. The Local Housing Allowance rate is almost always less than the amount of rent you actually have to pay. However, in certain circumstances, the Housing Executive can use a higher figure to work out how much housing benefit you are entitled to.

If you own a property you'll normally have to pay rates on it, even if the property is empty. You'll get a rates bill for the empty property automatically and you won't be entitled to an early payment discount. Some empty properties can be excluded from the rating system. It's worth checking to see if you can apply for an exclusion.

It can be difficult to gather up a deposit as well as a month's rent in advance. There are a few places that may agree to provide your landlord with a guarantee or work out a payment plan, allowing you to pay off your deposit in installments.

You will have to pay stamp duty if your new home costs more than £125,000. This calculator from the Money Advice Service will help you figure out how much stamp duty you'll have to pay.

Money can get tight when you're living in your own home. You may be entitled to some financial assistance to help with rent and other costs.

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.

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