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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 a home you bought from the Housing Executive or a housing association. But, you might have to pay back your discount.

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.

Buying a home is stressful. You'll need a trusted solicitor to help and you will have to pay lots of fees and charges.

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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