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Negative Equity

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Is bankruptcy necessary to deal with negative equity?

At Negative Equity UK, we find many of our clients worry that dealing with their unmanageable property debt might force them to go bankrupt, with all of the implications this can have for their financial future. In most cases, however, we are able to reassure our clients that there are other options available to them […]

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House in Northern Ireland worth less than the mortgage? We can help.

When the credit crunch hit in 2007 and the economy went into recession, house prices collapsed in parts of the country losing much of their value.When this happened, homeowners who still owed money on their mortgage found the value of their home had fallen so far that the property was now less than the outstanding […]

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 […]