Property Debt NI have a fantastic relationship with PropertyTribes a fantastic forum and information hub for Landlords and aspiring Property Investors.

We’ve enjoyed a long standing relationship with Vanessa and Nick, founders of PropertyTribes, and welcome enquiries from their forum on managing property debt and negative equity.

We are delighted to have supported many patrons of PropertyTribes navigate their property portfolios.

Heather & Natasha, Directors

Property Debt NI, supporting Landlords in UK and Ireland

Negative equity can place significant financial strain on homeowners, limiting their ability to move, remortgage, or access equity. At Property Debt NI, we specialise in managing negative equity situations with tailored strategies designed to stabilise your financial position and minimise losses.

Our expert team offers comprehensive support, including:

• Detailed assessment of your current mortgage and property value

• Negotiation with lenders to explore flexible repayment options or restructuring

• Advice on potential government schemes and legal considerations

• Assisted property disposal and debt mediation solutions

By partnering with us, you gain a clear pathway through negative equity challenges, allowing you to protect your assets and regain financial confidence. Contact Property Debt NI today for an expert consultation and take the first step towards effective negative equity management.

Our Consultants can help with this and much more…

Negative equity occurs when the outstanding balance on a mortgage exceeds the current market value of the property. This situation often arises during periods of falling house prices, leaving homeowners owing more than their property is worth. It can restrict the ability to remortgage or sell without incurring a loss, and may also affect access to further borrowing. Negative equity poses financial challenges, particularly if the homeowner experiences a change in circumstances such as unemployment or illness.

It is important to prioritise debts with the highest interest rates while maintaining essential living expenses. Seeking professional advice early can help explore options such as debt consolidation, repayment plans, or negotiating with creditors. Remaining disciplined with budgeting and avoiding further borrowing is crucial to gradually regain control over finances and prevent the accumulation of additional debt.

If you are struggling to maintain your normal household bills you should take action as soon as possible to review your situation and seek advice from a professional firm or debt charity. Our Directors are trained Debt Advisors and can help you gain a clear understanding of your financial situation and explore your options.

Struggling with landlord property debt can place significant strain on your investment and cash flow. At Property Debt NI, we understand the unique challenges faced by landlords and offer tailored financial solutions designed to manage and reduce your debt efficiently. Our expert team provides clear, practical advice, enabling you to regain control of your finances and minimise your financial exposure. With flexible repayment plans and professional support, you can protect your investment and focus on growing your property portfolio confidently. Don’t let debt hold you back—contact us today to explore how we can help you secure your landlord future.

Missold mortgages occur when lenders or brokers provide mortgage agreements that are unsuitable for the borrower’s circumstances, often failing to explain the associated risks or costs fully. This can include cases where affordability was not properly assessed, where important information about interest rates or terms was omitted, or where borrowers were pressured into products that do not meet their needs. Victims of missold mortgages may face financial hardship and have the right to seek redress, which can involve reclaiming charges or renegotiating loan terms. It is essential for borrowers to review any mortgage agreements carefully and seek independent advice if they suspect they have been missold a mortgage. If you mortgage was mis sold this could have a huge financial impact up you and your family.  You may have obtained the mortgage via a Broker or direct with the mortgage company either way if you are successful in your claim your could be entitled to financial compensation…