Tackling loneliness through housing

Across Northern Ireland, more and more older people are finding that housing insecurity doesn’t end at retirement. Rising rents, the increasing number of older renters, and homes that are simply not suitable for later in life all contribute to a situation that is both a social and health concern.

One issue increasingly coming into sharp focus: loneliness.

For older people, loneliness isn’t just about a lack of company – it’s often about location. Living far from family, friends, or a familiar community can deepen feelings of isolation, especially when paired with health or mobility issues. The right home, in the right place, can make a real difference.

That’s why housing solutions for older people shouldn’t just focus on bricks and mortar, they should consider proximity to support networks and a sense of belonging. A safe, manageable home near loved ones and essential services can help someone stay connected, active, and involved in their community.

At Co-Ownership, this is what our Co-Own Over 55s was designed for. It isn’t just about moving to a smaller or more suitable property, it’s about enabling people to relocate to somewhere that supports their wellbeing. For many, this means moving closer to family, into a community they know and trust. In doing so, they’re not just finding a better home, they’re reducing the risk of loneliness and laying the foundation for a more connected – and better supported – later life.

The recent UK government taskforce report on housing and ageing highlighted that unsuitable housing doesn’t just affect someone’s finances – it worsens health outcomes, erodes independence, and increases isolation. In fact, loneliness is now recognised as a growing health crisis, with consequences as serious as obesity or smoking.

For many older people, ‘home’ is about more than four walls. It is about stability, security, and belonging. Yet too many are left in private rental accommodation where rents rise faster than pensions, or in homes that are damp, cold, or no longer fit for their needs. Too often, the result is people cutting back on essentials like heating or food just to make ends meet – and withdrawing from social contact as a result.

If we are serious about tackling loneliness, then we must take housing seriously. A safe, affordable, and suitable home can be the foundation for stronger communities and healthier lives. When people feel secure in where they live, they are more likely to participate in community life, build connections, and avoid the downward spiral of isolation.

At Co-Ownership, our social purpose has always been to support people into homeownership who couldn’t otherwise afford it. That includes older people, who are often overlooked in housing debates. Our Co-Own for Over 55s scheme was designed with this in mind. It helps people who want to move to a home that better suits their needs, but who cannot afford to do so outright. By allowing them to use equity from the sale of their existing home, or savings, alongside our support, we bridge the gap and enable them to move into somewhere safe, stable, and right for their future.

The impact goes far beyond financial help. For many, moving through Co-Own for Over 55s is about finding the right home in the right community, somewhere that supports independence while also reducing the risk of isolation. A warm, manageable home close to friends, family, and services provides the stability that underpins both physical and mental wellbeing.

The Commissioner for Older People in Northern Ireland has been clear that housing is central to dignity and wellbeing in later life, and that older people deserve choices that keep them safe, connected, and supported. Their role in highlighting these challenges is vital and solutions like ours can play a part in meeting those needs.

The housing challenges facing older people in Northern Ireland cannot be solved overnight. But there are solutions available, and they deserve to be part of the wider debate. With the right housing options, we can ensure that more older people enjoy security, stability, and community well into their later years.