Effective as of 14 April 2026.
Please ensure you have read What type of property can I buy? along with the following list.
| Area | Criteria |
|---|---|
| Property price | Maximum property value of £215,000 |
| Location | We purchase existing and new build homes anywhere in Northern Ireland. |
| Warranties | New builds must have a suitable 10-year structural warranty. Existing properties under 10 years old must have the balance of their original structural warranty. |
| Incentives | You must declare any incentives you are offered. We may not agree to them. |
| Energy performance | We require an Energy Performance Certificate for the property. |
| Service charges | The service charge should be reasonable for the services provided, and affordable. We would expect that a service charge for a house would be usually no more than £200 per year and for an apartment no more than £1,000 per year. |
| New builds | - Basic turnkey packages are acceptable. - Properties with Price Cost (PC) sums are generally not acceptable. - We generally do not pay for extras, or for furnishings and moveable fittings. - The price must include all utility connection fees. - All roads and sewers serving the home must be bonded or adopted. |
| Unsuitable properties | We do not accept properties: - that require more than £6,000 of work to resolve before purchase, or more than £6,000 of work to resolve after purchase. - that are architect certified. - with no central heating. - with non-standard or unconventional construction. - that are mobile homes or temporary structures. - that are defined as houses in multiple occupation (HMOs). - with an annex. - with Japanese Knotweed. - sold incomplete or "as is". - that are underpinned or stated to be defective. - with agricultural use restrictions. - used for purposes other than as a residence. - with a private water supply. - with leased renewable energy systems. - that do not front onto an adopted road. |