Our Products

Co-Ownership has 3 products that could help you become a homeowner; Co-Own, Co-Own for Over 55s and Rent to Own.

Use our product selector tool below to see which one might be suitable for you.

Please note that the results generated by this tool are a guide only and we recommend that you read the full criteria before applying for any of our products. If you have any questions please call us on 028 9032 7276 or email hello@co-ownership.org.

Help me choose a product

  • Your credit file may impact your eligibility for Co-Ownership products.  Have you or any joint applicants had any of the following credit issues?

    • Home credit or payday loans
    • Debt management plan
    • Debt relief order
    • Default
    • Bankruptcy
    • Individual Voluntary Arrangement
    • Voluntary Arrangement
    • Money judgements

Please fill in all the above fields.

Based on the answers you have given Rent to Own may be suitable for you.

Before making an application to Rent to Own, any of the following arrangements must have been settled (and be shown as settled on your credit file) for the stated period:

  • Debt Relief Orders – 3 years
  • Bankruptcy – 3 years
  • Individual Voluntary Arrangement – 3 years
  • Payday Loans & Home Credit (or equivalent
    products) – 6 months
  • Money Judgements – 6 months

The following arrangements also need to have
been settled and will affect your credit assessment:

  • Debt Management Plans
  • Money Judgements
  • Defaults

We recommend that before applying to Rent to Own you read our full criteria which can be found by clicking here. 

If you have any of these arrangements then you will need to wait before applying for Rent to Own. In the meantime, it might be helpful for you to visit Money Advice Service and perhaps review your credit file.

Based on the answers you have given Rent to Own may be suitable for you.

For more information click here.

Based on the answers you have given Co-Own may be suitable for you. 

Before making an application to Co-Own, any of the following arrangements must have been settled (and be shown as settled on your credit file) for the stated period:

  • Debt Relief Orders – 6 years
  • Bankruptcy – 6 years
  • Individual Voluntary Arrangement – 6 years
  • Payday Loans & Home Credit (or equivalent
    products) – 12 months
  • Money Judgements – 12 months

The following arrangements also need to have been settled and will affect your credit assessment:

  • Debt Management Plans
  • Defaults
  • Missed or late payments

We recommend that before applying to Co-Own you read our full criteria which can be found by clicking here. 

If you have any of these arrangements then you will need to wait before applying for Co-Own. In the meantime, it might be helpful for you to visit Money Advice Service and perhaps review your credit file.

Based on the answers you have given Co-Own may be suitable for you. 

For more information click here.

Based on the answers you have given you are not currently suitable for any Co-Ownership products.

We suggest that you read our product criteria for more information.

You might find the following websites useful.

Based on the answers you have given Co-Own for Over 55s may be suitable for you.

Before making an application to Co-Own for Over 55s, any of the following arrangements must have been settled (and be shown as settled on your credit file) for the stated period:

  • Debt Relief Orders – 6 years
  • Bankruptcy – 6 years
  • Individual Voluntary Arrangement – 6 years
  • Payday Loans & Home Credit (or equivalent products) – 12 months
  • Money Judgements – 12 months


The following arrangements also need to have been settled and will affect your credit assessment:

  • Debt Management Plans
  • Defaults
  • Missed or late payments

We recommend that before applying to Co-Own for Over 55s you read our full criteria which can be found by clicking here.


If you have any of these arrangements then you will need to wait before applying for Co-Own for Over 55s. In the meantime, it might be helpful for you to visit Money Advice Service and perhaps review your credit file.

Based on the answers you have given Co-Own for Over 55s may be suitable for you.

For more information click here.

Based on the answers you have given Co-Own or Co-Own for Over 55s may be suitable for you.

Before making an application to Co-Own or Co-Own for Over 55s, any of the following arrangements must have been settled (and be shown as settled on your credit file) for the stated period:

  • Debt Relief Orders – 6 years
  • Bankruptcy – 6 years
  • Individual Voluntary Arrangement – 6 years
  • Payday Loans & Home Credit (or equivalent products) – 12 months
  • Money Judgements – 12 months


The following arrangements also need to have been settled and will affect your credit assessment:

  • Debt Management Plans
  • Defaults
  • Missed or late payments


We recommend that before applying to Co-Own or Co-Own for Over 55s you read our full criteria.

  • For more information about Co-Own click here.
  • For more information about Co-Own for Over 55s click here.

If you have any of these arrangements then you will need to wait before applying for Co-Own or Co-Own for Over 55s. In the meantime, it might be helpful for you to visit Money Advice Service and perhaps review your credit file.

Based on the answers you have given Co-Own or Co-Own for Over 55s may be suitable for you.

  • For more information about Co-Own click here.
  • For more information about Co-Own for Over 55s click here.
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