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When everyone has a home

Housing advice for Northern Ireland

Homeowner

CORONAVIRUS UPDATE

You are usually responsible for carrying out any repairs or improvements once you have bought your home. It's very difficult to get grant approval from the Housing Executive to help you with the cost of repairs. These days, this type of grant will only be awarded if the Housing Executive believes the condition of the property is likely to cause a very real and very serious risk to the life of the person living in it.

There are practical things that you can if you're having difficulties paying your mortgage. The most important of these is to get advice so you fully understand your options.

There are a few different things that can happen if you have to go to court for a possession hearing.

If you are a homeowner, you can only be evicted if the court makes an order telling you to leave. This section explains what happens once your lender has applied to the court to evict you.

If your home has been damaged your insurance may cover the cost of repairs. Read your policy and make sure that the damage is covered. Your policy documents will tell you what to do if you need to make a claim.

You are usually responsible for carrying out any repairs or improvements once you have bought your home. It's very difficult to get grant approval from the Housing Executive to help you with the cost of repairs. These days, this type of grant will only be awarded if the Housing Executive believes the condition of the property is likely to cause a very real and very serious risk to the life of the person living in it.

Once the court reached a decision that you have to leave your home, your lender must apply to the Enforcement of Judgements Office to enforce the decision. You will have to pay the Enforcement of Judgements Office fees. These will probably be added to the balance owed on your mortgage.

Moving can be stressful, complicated and expensive. Whether you’re moving in, moving on or moving out careful planning can make the process easier.

There are practical things that you can if you're having difficulties paying your mortgage. The most important of these is to get advice so you fully understand your options.

Most people need to apply for a mortgage when they’re buying a home. This is a long term loan from a bank or building society. The loan is secured on your home so if you stop paying the bank can repossess the property. You should speak to an independent financial adviser to find out which type of mortgage is best for you.

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