Get on the ladder
for less than you think.

NI Co-Ownership lets you buy 50% of your home on a mortgage, with no deposit, and pay affordable rent on the other 50% to Co-Ownership NI. Maximum property price £215,000.

Your 50% mortgage£107,500 · no deposit neededCo Ownership NI 50%£107,500 · you pay rent on this

Your share

£107,500

35-year mortgage

Co Ownership

£107,500

you rent this part

Property price

£215,000

£100,000£215,000 max

Estimated monthly costs

Mortgage (your 50%)
£543
Co Own rent (their 50%)
£224
Insurances (est.)
£100
Rates (est.)
£123
Total per month£990

Illustrative only. Based on a 5.0% rate over 35 years on your £107,500 share. Speak to us for a personalised, regulated recommendation.

Talk to us about Co-Ownership

No deposit required

You need zero upfront savings to qualify for the mortgage on your 50% share.

Up to £215,000

Buy any eligible property up to the NI Co-Ownership maximum purchase price.

Staircase to full ownership

Buy additional shares at any time, all the way to 100%, as your finances grow.