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When everyone has a home

Housing advice for Northern Ireland

Selling

Problems can crop up at any stage of selling your home, particularly if you are in a chain.

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.

When you're in debt, you need to make sure you're making the best possible use of any money coming into your home. Check to see if you're entitled to any benefits or tax credits. You could ask for extra hours at work or rent out a room in your home to increase the amount of money your household has.

Selling a home that you and your former partner jointly own can be complicated. You'll usually need to get legal advice from a solicitor who can explain what will happen to the property.

Your property is your tenants' home and you have a responsibility to keep them informed of any developments that may affect their ability to stay in that home. This includes informing your tenants if the property is subject to mortgage possession proceedings.

When your home is repossessed it is usually sold to pay off your debts. This will also happen if you hand over the keys to your home voluntarily. The money you get may not be enough to cover everything you owe.

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.

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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