Mortgage Options ni

Co-Own is our shared ownership plan. In a nutshell, we buy a place together. You buy the share that you can afford, between 50% and 90%, and we cover the rest. You pay the mortgage on your bit and pay us rent on our bit (did we mention that you don’t always need a deposit with Co-Own? Some lenders take our share instead of a deposit). Because the rent we set is lower than the market rate and the mortgage you need is smaller, your monthly repayments could be less than they would be if you’d bought it outright. When you’re able to, you can increase your share in your home bit-by-bit until you own it all. And don’t worry; just because we’ve bought a place together doesn’t mean we’re moving in! It’s 100% your home. If you decide to sell your home and move on, we will value your home. You will get the benefit of any increase in the value of your home due to improvements you have made and then the remaining value will be split between you and us, depending on the share that you own. Since Co-Ownership was founded in 1978, we’ve helped over 29,000 people buy their first home, and we currently have over 9,000 Co-Owners. Could you be our next moving story?

028 258 98625
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View and research todays leading mortgage rates available and we shall be happy to arrange your mortgage with the lender on your behalf. 

Call us on 028 258 98625 or send us an email at if you would like to find out more.

Mortgage Options ni (Life Assurance Direct Services) is registered in England and Wales. Registered office, 54 Thornhill Road, Antrim, County Antrim, BT4 1LG.

Authorised and regulated by the Financial Conduct Authority. Mortgage Options ni is entered on the Financial Services Register under reference 400866.

If you wish to register a complaint, please write to us at the address above, email us at or call us on 02825 898625.

A summary of our internal procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at or by contacting them on 0800 0234 567.