Tips And Tools

  • What is Co-ownership?


    Getting onto the property ladder can seem daunting for first time buyers, however believe it doesn’t have to be that.

    Our team of experienced advisers can guide you through the entire process from initial budgeting to picking up the keys of your dream first home. We work directly with the leading lenders enabling us to offer a range of options to meet your exact needs. Some of the benefits you will receive by working with Mortgage IQ include:

    • Work out how much you can afford to borrow
    • Recommend which mortgage best fits your needs and circumstances
    • Talk you through the protection options available for your home
    • Dedicated team of experienced advisers available 7 days a week

    You can find out more information on co-ownership on the co-ownership website; 


  • FairShare

    How does FairShare work?

    FairShare is a shared ownership scheme for Northern Ireland. FairShare allows homebuyers who cannot afford to buy a property outright, to buy a share of a new-build property directly from a housing association and pay rent on the rest.

    Start with a share that you can afford

    Housing associations in Northern Ireland offer affordable, high-quality new-build properties for sale through the FairShare shared ownership scheme. FairShare homebuyers can buy a starter share of between 50% and 90% and pay rent on the rest. For example; if a couple buys a 50% share of a property from a housing association with a mortgage, they pay an affordable rent on the 50% share still owned by the housing association. FairShare rent is set at 2.5% per annum (subject to annual review).

    Buy additional shares later

    With FairShare you can take your first steps into home ownership, by purchasing a share of a property that you can afford. Going forward you can budget for buying additional shares in your home, as and when you can afford to. The process of buying further shares in your home is known as staircasing. If you’re thinking about buying further shares in your FairShare property, please get in touch and we will advise you on how to proceed.

    You can find out more about FairShare and eligibility criteria here

  • Right to Buy

    Right to Buy

    Right to Buy allows most council tenants to buy their council home at a discount. Use the eligibility checker on the Right to Buy website to find out if you can apply.

    There are different rules for WalesScotland and Northern Ireland.

    You can apply to buy your council home if:

    • it’s your only or main home
    • it’s self-contained
    • you’re a secure tenant
    • you’ve had a public sector landlord (for example, a council, housing association or NHS trust) for 3 years – it does not have to be 3 years in a row

    Pplease see the website for more information 

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