Tools & calculators
Our Eligibility Checker, Affordability Calculator, Repayments Calculator and Buying Out Calculator, all in one place.
Your first step towards home ownership
Turning the dream of owning your own home into reality.
How Co-Ownership works
Let's buy a place together. You buy the share you can afford, and we'll cover the rest.
1
Check if you’re eligible
Complete a quick eligibility check to see if Co-Ownership fits your financial situation and goals.
2
Apply online
Submit your application online. We’ll walk you through each step, from paperwork to approval.
3
Find your home
Choose the home that’s right for you, and check it against our criteria.
4
Move in and make it yours
Once everything’s complete, get your keys, move in, and start enjoying your new home.
Making home ownership possible
Discover how we support our customers and make a meaningful difference in their lives.
Meet Amy, 26
Amy works as a nurse full time, and currently rents with two friends, but would like to buy her own place. She recently bought a car to commute to work, and between the repayments for that and her rent, it's difficult to save for a deposit. She knows her pay will increase in future, and she'll be able to afford mortgage repayments, but she is struggling to get started. She approaches Co-Ownership after seeing an end terrace in Belfast she likes.
£160,000
End terrace asking price
£0
Deposit required
50%
Co-Own share
£698.91 per month
Mortgage + Co-Ownership rent
This example is for illustration only and is based on typical assumptions.
Meet Dan & Jenny, both 33
Dan and Jenny have two young kids, and are currently renting an apartment. They are looking for more space and a garden, but worry that outgoings for childcare, rent and loan repayments mean homeownership is unaffordable. They've managed to save enough for a small deposit, and are interested in a new development, close to their family in Enniskillen.
£210,000
3-bed new build price
£10,000
Deposit
60%
Co-Own Share
£946.75 per month
Mortgage + Co-Ownership rent
This example is for illustration only and is based on typical assumptions.
Meet Angela, 70
Angela lives alone in a 3-bed terrace in Lisburn since her husband passed 2 years ago. She finds it hard to maintain her home and after a fall, struggles with the stairs. Her daughter has told her about an apartment nearby for sale, which could be ideal for her.
£125,000
Existing home sale price
-
£5,000
Selling costs
=
£120,000
New home budget
£160,000
Apartment price
65%
Angela’s share
£0
Mortgage
£116 per month
Co-Ownership rent, no mortgage
This example is for illustration only and is based on typical assumptions.
Introducing Co-Ownership
If you're new to Co-Ownership, this video introduces who we are, what we do, and the ways we help people across Northern Ireland buy a home of their own, so you can get a feel for whether shared ownership could work for you.
Popular links
Frequently asked questions
Here you'll find answers to the most common questions received by our team.
Upcoming events
Come along to any of these upcoming events to chat with our team, and find out more about Co-Ownership.
Are you a mortgage broker, solicitor, lender or estate agent?
Access our Professionals hubWhy choose Co-Ownership?
There are many reasons you might need help buying a home. That’s where we come in.
Our commitment to affordable home ownership
Co-Ownership is a not-for-profit organisation aiming to make home ownership more accessible. We believe everyone deserves the opportunity to have a safe, secure, and affordable place to call home.
We want to reduce the financial barriers to owning a home. Whether you’re buying your first property, needing more space for a growing family or starting a new chapter later in life, we’re here to help.
