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Low-cost home ownership schemes

Whether you are a Housing Executive or housing association tenant, or first-time buyer there are several schemes available to help you get your foot on the property ladder.

House sales scheme

This is offered by the social landlords, Northern Ireland Housing Executive and registered housing associations to give tenants the chance to buy the rented home at a discount.

The discount is calculated according to the length of time you have been a tenant.

You can find more information on how to buy your Housing Executive or housing association home in the link below:

If you cannot afford to buy the entire property, you can buy a percentage and rent the rest. You can find out more about this in the link below:

Northern Ireland Co-ownership scheme®

The Northern Ireland Co-ownership scheme, which was introduced to help people who cannot afford to buy a home outright, may be able to help you get on the property ladder. More information can be obtained through the following link:

Buying your home

Buying a home is a major financial commitment which will involve immediate costs, such as legal fees and Stamp Duty Land Tax, as well as new and ongoing costs such as paying the mortgage, rates, repairs and service charges.

You can work out some of the potential costs involved in buying your home by reading ‘Planning for buying a home’.

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