We are currently helping hundreds of families to move on with their lives
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Who Are We?

Negative Equity NI: Northern Ireland’s Biggest and Best.

Our only aim is to write off the maximum amount of your property debt possible, so we’ve built our team and our business around you, our customers.

As a result, when it comes to resolving property debt, no one goes further or does more than the Negative Equity team.

But don’t just take our word for it. See some of our results and what our clients say.

Led by property and finance professionals, Phil Davison and Tom Cardwell, our team has been working on behalf of our clients and with the banks for the last few years, getting impressive results.

We are authorised and regulated by the Financial Conduct Authority.

Our debt team have a wealth of banking experience and excellent relationships with all the banks – meaning whoever your lender, we’re best-placed to get you the best result.

Our team are also the largest working in this specialist area, meaning we have more experience and resources than any other.

We continue to invest in our people and our processes, putting in place the systems that will get better results and allow even more people to escape the property debt.

You’re welcome to meet our team here or give us a call to find out more – Bob’s happy to take your call and answer your questions. 


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What We Do

We are your local experts in debt solutions.

Our sole focus is re-negotiating property debt on behalf of homeowners and landlords. We are professional and fully accredited debt counsellors with a clear commitment to delivering exceptional service with unquestionable integrity.

As part of the CD Fairfield Group , we know about both property and debt.

We started Negative Equity NI in response to the rising number of local homeowners who found they owe more on their house than it is currently worth – through no fault of their own.

That’s almost half of homeowners across NI. So if you find yourself in negative equity, you’re not alone.

We are FCA regulated and we’ve put in place the people and processes that make negotiating with your lender as stress-free as it can be.

In fact, we do it all for you.

Most of our clients are professional people who are up to date with their mortgage but need to move for work or family reasons. We help them to move without having to carry with them a large, unmanageable mortgage.

If you are in negative equity and arrears, we can help too – talk to us about what we can do to help.

We’ll begin with a confidential, fee-free consultation and, if we can, we’ll put together a plan to write down your mortgage and reach an agreement with your lender.

So you’re free to move on with your life – crisis averted!

Negative Equity NI is a trading style of CD Fairfield Capital Limited.