How do I


Now you’ve worked out that Co-Ownership could help you buy your perfect home, please check the information below before applying:

About you (Criteria applies to all applicants)

  • I am over 18
  • I do not currently own any property or land in Northern Ireland or elsewhere
  • I will live in the property as my only residence and will not use the property for business purposes
  • I am resident in the UK
  • I have an adequate right to reside in Northern Ireland
  • I have had no Payday Loans or Home Credit within the last 12 months
  • Any Debt Relief Orders, bankruptcies or Individual Voluntary Arrangements that I had have been satisfactorily completed at least 6 years before applying
  • I have no outstanding adverse credit at the time of making a Co-Own application e.g. CCJ’s, Defaults
  • I am not under notice of termination of employment or redundancy.

These are the key criteria. Once you apply, a non-refundable assessment fee of £100 will be payable. Please ensure you have reviewed our full personal and property requirements before applying. We recommend you check your credit report before applying to make sure there are no surprises. If you are unsure about anything included in these, please contact our team who will be able to explain it to you on 028 9032 7276. Once you have received an Approval in Principle, upload your chosen property, at which stage a £450 property fee will be payable.

In order to complete your application, all applicants must have a valid email address as this is how we will communicate with you.

In order for your application to be completed and progressed as quickly as possible, please have the following information to hand before you start your application (required for both applicants):

  • The last 3 months payslips for all employment (where employed)
  • The last 3 months bank statements
  • The last 3 years tax calculation summaries (SA302s) & corresponding tax year overviews (where self-employed). For company directors we will also require your last 3 months payslips.
  • A letter from your employer regarding furloughed income (if applicable).

In addition to the above during the course of the application we may ask you to provide:

  • Photographic ID – See list of acceptable documentation
  • Proof of current address – See list of acceptable documentation
  • Residency documentation
  • Proof of savings e.g. savings statements
  • Proof of any other income e.g. benefit award letters

The applicant must provide evidence of identity as follows: one from list A and one from list B or alternatively one from list A and in addition a further one from list A which shows the applicant’s current address on it.

List A

            Photographic identity documents

  • Current valid passport
  • Current UK photocard Driving Licence (full or provisional)
  • Current EU photocard Driving Licence (full or provisional)
  • Current full old-style UK Driving Licence

List B

            If not used under List A already

  • Current UK photocard Driving Licence (full or provisional)
  • Current EU photocard Driving Licence (full or provisional)
  • Current full old-style UK Driving Licence

Or (if dated within last 3 months)

  • Utility bill or correspondence from utilities supplier
  • Rate Collection Agency correspondence
  • Bank / building society / mortgage / credit union / credit card statement
  • Inland Revenue correspondence e.g. tax coding notice
  • Original vehicle registration document
  • Northern Ireland Housing Executive / registered housing association tenancy agreement or correspondence
  • Insurance certificate / policy for home address

Applications started but not submitted within 30 days will be deleted.

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