About Us

Who Are We?

Negative Equity is a UK-wide issue – you are not alone.

These days, a lot of people find themselves owning a home that is worth less than they paid for it. For some it’s not a problem. For many others, because their situation has changed, they need to move for work or their family has outgrown their home, it seems like there’s no way out.

Handing the keys back to the bank while repaying a large mortgage for many years or facing bankruptcy isn’t your only option.

Now you can have our expert team on your side, taking all of the stress and hassle off you, selling your home for the best possible price and negotiating with your lender to settle your loan – leaving you free to move on.

We’re FCA approved, your initial consultation is FREE and there’s no obligation to continue if you change your mind at any time.

Give us a call today – or we can call you!


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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.

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