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You are in: InfoCentre > Northern Ireland > Housing
    

Housing

We’re here to help

Whether you’re paying a mortgage or renting, more people than ever are experiencing problems meeting their housing costs. We understand that for the majority of people, staying in your home is the absolute priority.

For instant, free debt advice, use CCCS Debt Remedy to find out the best solution for your situation

This section will provide you with practical advice on how to stay in your home as well as what to expect if you fall into difficulty your payments. We also provide you with an introduction to the different kinds of help you may benefit from.

For free, unbiased debt help and information on the debt solutions available to you, visit CCCS Debt Remedy, our online debt counselling service. 

If you are facing eviction or repossession and have not been able to find an answer to your question, please contact us and one of our counsellors will be able to advise you further.

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FAQs

Can I apply for a council house?

Most people can apply for a council house but there will be a waiting list. Council houses are allocated on a points system. How long you wait to be given a house will depend on how many points you have. The council will give a higher priority to vulnerable people, people with children and people who are homeless.

If the council thinks you have made yourself intentionally homeless you may not be able to apply for a council house.


How can I find out what type of mortgage I have?

If you are not sure what type of mortgage you have you should contact your lender or check your mortgage agreement.


How do I find out what type of tenancy agreement I have?

If you are not sure what type of tenancy agreement you have you should contact your landlord or check your tenancy agreement. All landlords have to supply a tenancy agreement to their tenants and this will say what type of tenancy you have.


© Consumer Credit Counselling Service 2011