Cashback Remortgages · Buying across the UK
Co-Ownership in Northern Ireland
Co-Ownership is Northern Ireland's long-running shared-ownership scheme, letting eligible buyers purchase a share and pay rent on the rest. It works alongside a mortgage.
How Co-Ownership works
You buy a share of a home with a mortgage and pay rent on the remaining share to Co-Ownership, with the option to buy more later. Eligibility and property-value limits apply and can change.
Not all lenders lend on the scheme.
What to check
Confirm the share, rent and any resale rules, and remember scheme eligibility is separate from a mortgage offer. Use current official guidance.
Sources and further reading
General mortgage information, not a personal recommendation. Lender criteria and scheme rules can change. Ask an adviser about your circumstances and a solicitor or tax adviser about legal or tax questions. Your home may be repossessed if you do not keep up repayments on your mortgage. Most buy-to-let mortgages are not regulated by the FCA.
Discuss the next step for your mortgage
Understand your options before you make a decision.