Welcome to Negative Equity NI

Negative Equity NI helps hundreds of families and individuals deal with their negative equity debt problems everyday.
We understand how important it is for you to get your financial life back on track.

Negative Equity NI have an experienced team that have a vast knowledge of the banking system, specifically in property debt negotiations. This ensures that we get the best possible solution for all of our customers.

You can browse our website where you will find resources that will better inform you on your situation and what we can do to help resolve it.

If you need further information and feel you would benefit from speaking to one of our debt experts, get in touch with us now.

Speak To Our Advisors

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There are lots of reasons why you should let us help, here are just a few...

  • 100% Money Back Guarantee

    100% Money Back Guarantee

    We won't take on your case unless we're certain of an outcome

  • Dedicated Case Manager

    Dedicated Case Manager

    We take on all lender and third party communication on your behalf

  • We Do Everything

    We Do Everything

    We have great relationships with banks and lenders and will do the talking on your behalf

Property Debt Northern Ireland - Negative Equity NI 'We've Got You Covered!'

What our customers are saying...

If we did not convince you, maybe a few words from our customers will!

  • I decided to get help from Negative Equity NI as I needed to sell my property which was no longer suitable. As the house was in negative equity at the time I needed to write off as much of the shortfall as possible. I found the service very friendly and highly professional, with the case managers being very effective when getting the result that I needed. I will definitely recommend Negative Equity NI to anyone who is in a similar situation in the future.
  • I approached Negative Equity NI to resolve the outstanding debt on my properties. The service I received was first rate and I found that Natasha (Case Manager) was excellent throughout the process, keeping me up to date with all developments which reassured me that my case was in the safest of hands. I would highly recommend the company to anybody in this situation as the best way to resolve their negative equity issues.
  • I approached Negative Equity NI in regards to helping me find a solution to my property debt. I had gone down every avenue and thought that I had exhausted all options in trying to resolve my property debt. I came in for a chat with Bob who explained what the company could do for me. After this I decided to go ahead with the process and I am delighted to say that the company were excellent in negotiating a settlement with my lender. They used the fact that my family circumstances had changed as leverage to get me the best possible deal. I now can put the whole thing behind me and move on with my life.
    - L/Derry
  • I have been referring customers to Negative Equity NI for almost two years and have been delighted with the service. In particular the attention to detail and customer service has been second to none. They have successfully negotiated affordable settlements for my clients, in many cases the client has paid less than 10p in the pound on their mortgage debt. I wholeheartedly endorse Negative Equity NI and look forward to developing this relationship and helping my customers in the process.
    Stuart Hamilton
    - Principal, Town and Country Property Services
  • I had a lot of negative equity across 3 properties I’d bought as buy to lets between 2005-2007. I’d re-mortgaged these properties to fund another business. Ill health meant I was only able to work part time since 2010. The whole thing had become a complete nightmare and my lender didn’t want to know. Negative Equity NI negotiated with my lender, the properties were sold and over £250,000 of negative equity was written off. I’m delighted with the service and would highly recommend them to anyone with this type of problem.
  • We found ourselves in significant negative equity because of the downturn in the property market. The building society were writing to us as the end of the interest only mortgage was coming up and we needed a solution to the situation we found ourselves in. So we were glad we contacted Negative Equity NI, who after spending time with one of their advisors put our mind at ease especially when they advised us there was a solution to our problem. After spending time negotiating with the Building Society we were delighted with the performance and professionalism of the advisor we dealt with, who did come up with a solution and we now have time to hopefully recover from a very worrying financial situation.
  • In July 2013 I approached Negative Equity NI in relation to resolving the negative equity issue with my property. The outstanding balance on my mortgage with the lender was £145,000, but at the time the property was valued in the region of £29,000 . After speaking with Negative Equity NI’s Director Tom, I was given a clear route to take in order to resolve any issues with the lender. Negative equity negotiated an excellent settlement with my lender which would mean I would part with the property through a short-fall sale. By settling with the lender in this way meant that I could sell the property for the £29,000 market price whilst on top agreeing a single lump sum fee of £11,500 to complete the short fall sale. This was accepted by the lender and I have since settled with them. I felt that the experienced advice and hard work put in by Negative Equity NI was second to none and I would strongly recommend them in future. Since I have settled with the lender a weight has been taken off my shoulders and I feel that I can move on with my life and put this firmly behind me.
    - Belfast
  • Like so many people at the moment I was having problems making my mortgage payments so I approached Negative Equity NI to help find a solution. My property was purchased for £280,000 in 2008 but by this year it was valued in the region of £200,000, so I was in severe financial difficulty as a result. After speaking with Negative Equity NI I was given a clear route to take in order to resolve any issues with the lender. Negative Equity NI negotiated an excellent settlement with my lender which would mean I would part with the property through a short-fall sale. Settling with the lender in this way meant that I could sell the property for the market price of £205,000 whilst agreeing manageable monthly shortfall with a nominal payment each month to the lender. I would recommend Negative Equity NI to anyone in a similar situation as they have helped me resolve a difficult issue in my life and now I don’t have to worry about it from now on.
    - Killough