Trapped in
Property Debt?
We help people struggling with negative equity, mortgage arrears, and repossession threats find real solutions. Get expert guidance tailored to your situation.
What We Resolve
Expert Solutions for Property Debt
The downturn in the housing market has left many people with property debt that's increasingly difficult to manage. We're here to help you find a way forward.
How We Help
There are numerous reasons why people seek expert help from APS
We understand that every situation is unique. Our confidential initial consultation and free property assessment will outline your best options in dealing with your property debt.
Common Scenarios We Handle
- Interest Only Mortgage Problems
- End of Term Mortgage Issues
- Unsustainable Buy-To-Let Properties or Portfolio of Properties
- Arrears & Repossession Worries
- Property Disposal in a Divorce or Separation Situation
- Negative Equity Concerns
- Financial Difficulty
Real Results
Success Stories
Real examples of how we've helped people across Northern Ireland resolve their property debt situations. Names and identifying details have been changed for confidentiality.
The Situation
A family in Belfast was trapped in their home with significant negative equity after the property crash. They couldn't afford to sell and move closer to work.
Our Solution
We negotiated a shortfall agreement with their lender, allowing them to sell the property and have the remaining debt written off.
The Situation
A retired couple's interest only mortgage was ending with no repayment vehicle. They faced potential repossession of their family home.
Our Solution
We worked with the lender to restructure the mortgage into a lifetime mortgage product, securing their home for life.
The Situation
After redundancy, a homeowner fell 8 months behind on mortgage payments. Letters threatening legal action were arriving weekly.
Our Solution
We negotiated a payment plan that cleared arrears over 24 months and stopped legal proceedings.
The Situation
A landlord in Derry/Londonderry had three rental properties all in negative equity with rising interest rates making the mortgages unaffordable.
Our Solution
We worked with each lender individually to agree managed exit strategies, preventing forced sales and minimising the financial impact.
The Situation
A single parent in Lisburn received a court summons for mortgage repossession after struggling with payments following a relationship breakdown.
Our Solution
We intervened before the hearing, presenting a realistic proposal to the lender that demonstrated affordability going forward.
The Situation
A landlord in Bangor had a tenant causing significant property damage and refusing to vacate, with the mortgage lender threatening to call in the loan.
Our Solution
We coordinated between the landlord, tenant, and lender to manage the situation, facilitating a resolution that satisfied all parties involved.
* All case studies are based on real client situations. Details have been changed to protect client confidentiality.
Recognise Your Situation
Your Property May Be a Problem If...
Many people don't realise their property situation qualifies for specialist help. If any of the following apply to you, we can almost certainly assist.
Get Free AssessmentWhy Get in Touch?
Property Debt Rarely Fixes Itself
The longer it's left, the fewer options you may have.
A short conversation can give you clarity, direction, and control. We'll look at your situation properly, explain your realistic options, and help you understand what lenders can and can't do.
There's no pressure and no obligation. Just straight answers based on experience.
If you're dealing with negative equity, arrears, repossession threats, or a property that's becoming unsustainable, the first step is simply understanding where you stand.
Testimonials
What Our Clients Say
Real stories from people we've helped find solutions to their property debt problems.
"I've been referring clients to APS for several years now, and I can't recommend Jason and the team enough. They're honest, knowledgeable, and cut through the noise when it comes to complex property issues. Whether it's end-of-term mortgages, repossession, or negative equity, they know exactly what to do."
David O
August 2025
"APS was a real lifesaver when I faced the stress of potential repossession. They were incredibly knowledgeable, explaining my options in a way that made sense and calming my fears. What stood out was their personal approach — they took the time to understand my specific situation."
Jon
October 2024
"I have no hesitation in recommending APS. I found the experience of doing business with Jason to be stress-free and beneficial. He is extremely professional and capable in his field of expertise. I will be recommending Jason and his company to friends, family and colleagues."
Sean D
July 2021
"APS were recommended to me by a colleague after a chat about my financial situation becoming untenable. The stress and worry was getting out of control and I felt like I was backed into a corner with no options. Jason was extremely professional and supportive from the first phone call."
JbB
March 2021
"We were in the depths of despair over a property we had that was in negative equity and we also had a lot of debt. Jason from APS was a great help, with us the whole way through this stressful time. Thanks to APS we can finally sleep at night with no more stress."
John & Rosemary
September 2018
"I contacted APS to help deal with a shortfall debt, having necessarily sold a property in negative equity. APS were diligent in answering all my questions and the result was a full settlement for a fraction of the debt. My expectations were exceeded."
Anonymous
December 2018
Reviews sourced from Yell.com and Trustpilot
Specialist Services
In-Depth Guidance on Every Situation
Each service has a dedicated page with detailed information specific to your circumstances.
Common Questions
Frequently Asked Questions
Find answers to common questions about negative equity, our services, and how we can help you move forward.
No Obligation, No Pressure
Take the First Step Towards
Financial Freedom
Our free property assessment will give you clarity on your options. Don't face this alone — let our experts guide you through.
Get Your Free Assessment TodayGet In Touch
Request Your Free Property Assessment
Take the first step towards resolving your property debt. Our confidential assessment will outline your best options — with no obligation and no pressure.
Call Us
028 302 60006Email Us
info@apsni.co.ukLocation
Newry, Northern Ireland
Response Time
Quick & Confidential
Why Choose APS?
- Years of specialist property debt experience
- Based in Northern Ireland, serving the whole country
- Completely confidential and no-obligation
- Direct lender negotiations on your behalf
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