Enabling People to Become Homeowners

There are lots of reasons why you might need a little help when buying a home and that’s where we come in.

Co-Ownership is a not-for-profit organisation that helps people become homeowners. We have three ways to help people:

Co-Own: Choose your home, buy as much of it as you can afford. We help you with the rest.

Co-Own for Over 55s: Over 55 and want to move to a new home but can’t afford to? We can help you bridge the gap.

Rent to Own: Find a new build. Rent it from us for up to 3 years after which time you buy it from us.

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45 years

Helping People find homes since 1978

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33,000+

The number of people we have helped buy a home

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10,500+

Current co-owners in Northern Ireland

Co-Own

Shared ownership means you buy a share of a property and we buy the rest. Here’s how:

  • You pay the mortgage on your bit and pay us rent on our bit, and you may not need a deposit.
  • Increase your share bit-by-bit until you own it all.
  • Buy both new and existing properties up to the value of £195,000.

Rent to Own

A couple receives keys, smiling happily as they make a transaction or celebrate a new home.

If you are not financially ready for home ownership yet, Rent to Own could help:

  • Choose a new build house anywhere in Northern Ireland up to the value of £195,000.
  • If it’s suitable, we’ll buy it and rent it to you for up to three years.
  • After 3 years you buy it from us.

Co-Own for Over 55s

A joyful elderly woman smiling in the foreground with an older man out of focus in the background outdoors.

If you are over 55 and want to move to a new home but can’t afford to, we can help you bridge the gap:

  • You use the equity from the sale of your current home or savings to purchase your share and we buy the rest.
  • We can buy both new and existing properties up to the value of £195,000.

Calculators & Tools

A woman using a laptop while sitting on the floor leaning against a sofa.

There are lots of reasons why you might need a little help when buying a home and that’s where we come in.

Person holding a tablet displaying a financial affordability calculator with a question

Before we can buy a place together, we need to work out how much you can afford based on your income and outgoings.

A mature man with a beard smiling while working on a laptop at a home office desk.

Our cost calculator is a guide to how much it will cost you.

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