Many of the subjects we cover are relevant anywhere in the UK. However, Northern Ireland also has some unique characteristics that affect lenders and consumers, which we consider separately.
What makes Northern Ireland different?
It has devolved political decision-making responsibility for housing, so some aspects of housing policy are not the same as in the rest of the UK. It also has a separate court system and Department of Justice. Some of the most notable differences affecting mortgage lending in Northern Ireland include:
- The Northern Ireland Department for Communities has strategic responsibility for housing and has taken a number of initiatives directly relevant to lenders, including co-ordinating the Housing Repossessions Task Force, which includes UK Finance representation.
- The Northern Ireland Housing Executive is a non-departmental body that acts as Northern Ireland's social housing landlord, as well as overseeing standards in the private rented sector and energy standards across all Northern Ireland housing.
- The Northern Ireland Courts & Tribunals Service administers the courts and has a separate Northern Ireland version of the pre-action protocol on repossessions.
- There is a Northern Ireland version of the UK Finance Mortgage Lenders' Handbook, which sets out instructions from lenders to conveyancers acting on their behalf.
Please see below for detailed information on our policy work in Northern Ireland:
Last updated: 9 May 2017
This overview of the social and affordable housing sector across the UK focuses on how housing associations are funded and regulated. It highlights key issues in the sector and our position, including our calls for certainty of public funding and stable implementation of welfare reforms.
Last updated: 30 August 2017
The latest position in relation mortgage performance but also an overview of the support that is available to mortgage borrowers who are experiencing payment difficulty. This includes support for mortgage interest and assisted voluntary sales.
Last updated: 4 September 2017
This is a comprehensive round-up of the main current and predecessor schemes for low cost home ownership, also known as the intermediate market.