- Stress Reduction
- Debt Reduction
- Brighter Future
Negative Equity Explained
Your Pathway out of Negative Equity
Negative Equity Help (NEH) was established in response to the financial challenges faced by many following the property crisis that affected Northern Ireland and the UK over 15 years ago.
As a team of experienced and dedicated financial advisors, we quickly took on the task of guiding clients through the complexities of financial distress and the challenges of negative equity.
Over the past 12 years, we have successfully assisted numerous individuals affected by negative equity, providing a structured and achievable plan tailored to their circumstances.
At NEH, we are confident that, regardless of the specifics of a person’s situation, we can offer a clear pathway out of negative equity, paving the way toward a more secure and positive financial future.
Key Reasons Properties fall into negative equity
We’re Turning Mortgage Struggles into Manageable Solutions
Several factors can cause a property to fall into negative equity, generally arising from economic, market, or individual financial circumstances. The principal reasons include the following:
Falling Property Values
When overall housing prices decline due to broader economic downturns, oversupply of housing, or reduced buyer demand, properties can lose market value. If the fall in value is significant, it may exceed the owner’s remaining mortgage balance.
High Loan-to-Value (LTV) Mortgages
Borrowers who purchase a property with a small deposit (for example, 95% or 100% mortgages) are at higher risk of negative equity. Even a modest fall in market prices can reduce the property’s value below the outstanding loan.
Interest Rate Increases
A rise in interest rates can lead to higher mortgage repayments. If borrowers struggle to meet payments, forced or distressed sales may occur at below-market values, pushing those properties—and sometimes comparable ones in the same area—into negative equity.
Economic Recession or Localised Downturns
Broader economic recessions or local issues such as loss of major employers, declining infrastructure, or poor transport links can diminish property demand and depress values.
NEH Solutions
Moving You Beyond Negative Equity
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
Case Review
It is a long established fact that a reader will be distracted by the readable content when it is looking at its layout.
Why Negative Equity Help?
Answer to the Question
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more or less normal distribution of letters.
Answer to the Question
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more or less normal distribution of letters.
Answer to the Question
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more or less normal distribution of letters.
Answer to the Question
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more or less normal distribution of letters.
Answer to the Question
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more or less normal distribution of letters.