Mortgages
Co-Ownership
Get on the Property Ladder with Co-Ownership
Struggling with a deposit or finding it hard to afford a home on your own? Co-Ownership could be the perfect solution. At Elite Mortgages, we help first-time buyers and individuals across Portadown, Belfast, and Northern Ireland understand and access the Co-Ownership scheme—making homeownership more affordable.
What is Co-Ownership?
Co-Ownership is a shared ownership scheme available in Northern Ireland. It allows you to buy a share of a property (between 50% and 90%) and rent the rest from Co-Ownership NI. Over time, you can increase your share and eventually own 100% of your home.
It’s a popular option for first-time buyers, self-employed individuals, and anyone struggling to get a mortgage for the full value of a home.
How Elite Mortgages Can Help
At Elite Mortgages, we specialise in Co-Ownership mortgage advice and can:
Explain how the scheme works in simple terms
Assess your eligibility
Find the best mortgage deals for Co-Ownership applicants
Help you apply for both the scheme and your mortgage
Liaise with your solicitor and lender through to completion
We make the process easy to understand and stress-free—from your first enquiry to getting your keys.
Who Can Apply?
You could be eligible if:
You’re over 18 and live in Northern Ireland
You’re unable to buy a home without support
Your total household income is under £60,000
You’re buying a home for under the current price cap (varies by area)
We’ll help assess your situation and guide you through the process step by step.
Why Clients Trust Elite Mortgages
Co-Ownership mortgage specialists
Local advisors based in Portadown and Belfast
Access to a broad and comprehensive range of lenders across the marketplace for the best mortgage rates
Friendly, expert advice tailored to your goals
Evening and weekend appointments available
Start Your Journey Today
Thinking about buying with Co-Ownership? Let’s talk.
Contact Elite Mortgages for a free consultation:
Call Us
Email Us
Important Notice
Your home may be repossessed if you do not keep up repayments on your mortgage.