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, Rent to Own and Co-Own for Over 55s. Since 1978 we have helped over 30,000 people buy home in Northern Ireland, and currently have over 10,000 co-owners.

We are a registered charity and are regulated and part funded by the Department for Communities.

Co-Own

Shared ownership means you buy a share of a property and we buy the rest. You pay the mortgage on your bit and pay us rent on our bit, and you may not need a deposit. When you're able to, you can increase your share bit-by-bit until you own it all. With Co-Own we can buy both new and existing properties up to the value of £190,000.

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Rent to Own

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 £190,000. If it's suitable, we'll buy it and rent it to you for up to three years after which time you buy it from us.

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Co-Own for Over 55s

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. With Co-Own for Over 55s we can buy both new and existing properties up to the value of £190,000.

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Confused about what product is right for you?

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

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.

Find out which product is right for you

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Co-Ownership Staff outside Belfast Office

Testimonials

Co-Ownership gave me a life changing opportunity for my family and an affordable way of life. Most importantly it gave us the security of a forever home. The security of an affordable home for my family made such an impact on our lives. I could not recommend enough.”
Rachel Brown Co-Own Customer
Absolute pride, I’m 32 and a lot of my friends had already bought their homes a few years ago, so it feels amazing to be able to say I’m now a homeowner. We have both worked so hard to get to this point, it’s amazing, the kids can paint their rooms whatever colour they want, they have space to play outside, and we don’t have to worry about a landlord giving us 4 weeks’ notice.”
Christopher & Tamzin Co-Own Customers
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