How do I
apply?

When you apply to Co-Own we perform a full credit assessment using Experian. Before applying, make sure your Experian credit report is in good shape.

Please make sure:

• All credit commitments are up to date.
• You’re within your credit limits.
• Any arrears, defaults, or CCJs are fully settled.
• Your current and previous addresses are correct.

If there’s an issue on your credit report, the £100 fee is non-refundable.

Check you meet our full criteria which you can read here. These apply to all applicants. Please pay particular attention to the following criteria:

• I confirm should I be married, living with a partner or intending to live with a spouse or partner, I will submit a joint application.
• I have had no Payday Loans or Home Credit within the last 12 months.
• Any Debt Relief Orders, bankruptcies or Individual Voluntary Arrangements have been completed for at least 6 years.
• I have no outstanding adverse credit at the time of making a Co-Own application e.g. County Court Judgements, Defaults.
• I do not currently own any property or land in Northern Ireland or elsewhere.

We strongly recommend that before applying you read the full criteria, as applications that do not meet it will be declined. The £100 application fee is non-refundable.

If you have any questions, please contact us on 028 9032 7276

To complete your application, we will require a copy of the following documentation which you will need to upload.

• Photographic ID.
• Proof of current address.
• The last 3 months payslips for all employment (where employed).
• The last 3 months bank statements.
• The last 2 years tax calculation summaries (SA302s) & corresponding tax year overviews (where self-employed). For company directors we also require your last 3 months payslips.

Some applicants may need to provide the following documentation based on their personal circumstances.

• Residency Documentation.
• Proof of savings e.g. savings statements.
• Proof of any other income e.g. benefit award letters.
• Decree absolute, separation agreement or financial settlement documents.

Examples of the different types of documents can be found here.

Once you click 'I'm ready to apply' you will be automatically taken to our application portal where you will need to:

1. Create an account. You will need a valid email address to do this.
2. Fill in application.
3. Upload your supporting documents (any missing documentation will delay your application.
4. Pay your assessment fee of £100. Please note this is non-refundable.

Once you have submitted your application it will be reviewed by a member of our team. We will use Experian to review your credit history and to help us to make the decision on the credit worthiness of your application.

It is taking 5 working days to receive a decision for a new Co-Own application. Please note that we will delete any unsubmitted applications after 90 days.

Finally, there is a property fee of £575 which is payable once you sale agree your chosen property.