Shared Ownership

Shared Ownership Mortgages


If you have found your perfect home, but it is just out of reach of your affordability, it may be possible to purchase the home through a shared ownership scheme. There are two shared ownership schemes in Northern Ireland, Co-Ownership and FairShare. Mortgage Solutions has experience with both schemes, and our Mortgage Advisers can explain the differences and which is the right option for you.


How Does Shared Ownership Work?

Shared Ownership schemes allow you to buy a portion of a home (usually 50%-90%) and to rent the remainder. Co-Ownership has been the most recognised scheme for people who cannot afford to buy 100% of the home they are interested in. More recently, a new shared ownership scheme called FairShare started in Northern Ireland. This scheme allows you to partner with a housing association to buy a home.

Shared-Ownership offers many benefits, enabling people who are stuck renting or living with parents, or who are struggling to raise a deposit, to get on to the property ladder. We'll help you to get a mortgage to pay for your share of the home's purchase price. You can even increase your share in your home in the future once you become the owner!

Your home may be repossessed if you do not keep up repayments on your mortgage.

What Our Clents Say


Shauna McAleavey


If we hadn't had such good advice from Bronagh in the Newry branch, we wouldn't of been able to get our dream home! They put the customer first and find the best mortgage for you.


Ken Whiteside


It was exactly 10weeks from we made the phone call to Sonya in mortgage solutions in Newtownards to we had the keys in our hands.Sonya was first class. They put the customer first and found the best mortgage for us.


Aine Moyne


Claire knows her market well and can sort you out with the finance to suit your situation.


Christopher O'Farrell


I used Cathy for sourcing my mortgage and all my insurance’s. She got the best deals going for me. Everything went through nice and fast. I’d recommend Cathy to everyone.


Sarah Lou


Excellent service from Dermot and his team. Every step was fully explained and Dermot was there to answer any questions. Would definitely recommend 5*


Selina Spiers


I could not recommend Pawan enough, nothing is ever a problem. He made it all so quick and simple, no hassle. Now we are looking forward to moving into our beautiful new home. Thanks Pawan!


Hugh O'Neill


Me and my fiancee just moved into our new home in Armagh. Monica and John made the whole process very simple and easy, especially as we were relocating. Could not ask for better service and advice. Highly recommend.


Shauneen O'Neill


Me and my partner wanted to buy are 1st home and didn't know where to start. They answered all out questions in a way we could understand. Sorted the mortgage that was best for us along with our life insurance. Which was a great help. I would 100% recommend them to any 1st time buyers.

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