Co-ownership mortgages

Co-Ownership Housing is a great way for your customer to get their foot on the property ladder. It is an opportunity for them to make the move to purchase their new home, without the need for a big deposit.



Features and benefits


Where the Co-ownership input is 25% or greater, we do not require any deposit (subject to normal affordability rules). A minimum deposit of 5% is required where the First Trust Bank mortgage application is for over 75% LTV

The same great rates that we offer other first time buyers

Up to £1500 Cashback click here for more details

No application fee or booking fees

Free valuation for switchers and first time buyers

We lend to customers buying through Northern Ireland Co-ownership Housing Association only

Staircasing for Co-ownership buy-out

Loan offer valid for 6 months

New Build Properties accepted



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Our Products

Fixed rate products

View our fixed rate products

Discounted variable products

View our discounted variable rate products

Standard variable product

View our standard variable rate product

Help and guidance


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Important information


First Trust Bank reserves the right to withdraw or amend products at any time. Loans are granted subject to an appraisal of the applicant's financial standing. Applicants must be 18yrs or over. Minimum mortgage amount £25,000. Lending criteria, terms and conditions apply. An independent valuation will be required. The mortgage will be secured against the mortgaged property. Primary residence only.