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Debt

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Why should I worry about negative equity?

Across Northern Ireland, many homeowners have found themselves trapped in negative equity since the property crash and recession ten years ago, but many people don’t know what negative equity is or how it can affect them and their finances. Put very simply, ‘negative equity’ means that the value of something against which a loan was […]

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Dealing with negative equity? Will I have to rent forever?

At Negative Equity UK, one of the questions we are asked most often by our clients is, will dealing with my negative equity mean I have to rent forever? It’s an understandable worry. For most people, owning their own home gives them security and stability and dealing with their negative equity can have an effect […]

mortgage help

Struggling with mortgage arrears and negative equity? We can help.

Taking out a mortgage and buying a house is the biggest financial decision most people will make in their lives. No one makes this decision with the intention of falling behind on their payments or not paying back the loan, but sometimes situations arise which make it impossible for borrowers to meet their mortgage costs. […]

property debt

Interest only mortgage term ending and no way to pay?

Before the property crash in 2007, interest only mortgages were popular with borrowers who were struggling to get on the property ladder, but who couldn’t afford a regular repayment mortgage. Under the terms of an interest only mortgage, the borrower only has to make monthly payments to cover the interest on the mortgage, but once […]

debt advice

Is Your House Worth Less Than Your Mortgage?

After the financial crash, many homeowners found themselves with outstanding mortgage debt that was worth more than the value of their homes due to house prices falling. This situation is known as negative equity. Since the property crash ten years ago house prices have risen, but many homeowners still find themselves in properties that have […]