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Debt

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 […]

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House prices down, transactions up in NI.

The latest Quarterly House Price Index report from the University of Ulster points to a mixed picture in the housing market in Northern Ireland with house prices falling but transactions rising. According to the report, the average house price here now stands at £148,500. This is down 3.7% over the year and 1.1% over the […]

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Property crash could push house prices down to £70,000 in NI.

There have been warnings in recent weeks that UK house prices could be heading for a crash, now an analysis by online estate agent eMoov.co.uk is suggesting prices could fall to as low £70,000 in some parts of the UK. According to the analysis, the biggest drop in value would be seen in the South […]

property debt

Testimonial: “I felt like I could breathe again.”

Before house prices crashed in 2007, many people were told they would never fall. House prices would keep going up and if they wanted to get on the housing ladder, they’d better do it now. This lead to many people taking out huge, often interest only, mortgages. When the crash came they were left with […]