Enabling People to Become Homeowners
There are lots of reasons why you might need a little help when buying a home and that’s where we come in.
Co-Ownership is a not-for-profit organisation that helps people become homeowners. We have three ways to help people:
Co-Own: Choose your home, buy as much of it as you can afford. We help you with the rest.
Co-Own for Over 55s: Over 55 and want to move to a new home but can’t afford to? We can help you bridge the gap.
Rent to Own: Find a new build. Rent it from us for up to 3 years after which time you buy it from us.
45 years
Helping people find homes since 1978
33,000+
The number of people we have helped buy a home
10,500+
Current co-owners in Northern Ireland
Co-Own
Shared ownership means you buy a share of a property and we buy the rest. Here’s how:
- You pay the mortgage on your bit and pay us rent on our bit, and you may not need a deposit.
- Increase your share bit-by-bit until you own it all.
- Buy both new and existing properties up to the value of £195,000.
Rent to Own
If you are not financially ready for home ownership yet, Rent to Own could help:
- Choose a new build house anywhere in Northern Ireland up to the value of £195,000.
- If it’s suitable, we’ll buy it and rent it to you for up to three years.
- After 3 years you buy it from us.
Co-Own for Over 55s
If you are over 55 and want to move to a new home but can’t afford to, we can help you bridge the gap:
- You use the equity from the sale of your current home or savings to purchase your share and we buy the rest.
- We can buy both new and existing properties up to the value of £195,000.
Calculators & Tools
There are lots of reasons why you might need a little help when buying a home and that’s where we come in.
Before we can buy a place together, we need to work out how much you can afford based on your income and outgoings.
Our cost calculator is a guide to how much it will cost you.