Why Our Mortgage Debt Solutions Are Better For You
If you are a victim of negative equity, you need help.
Not just advice, but proper hands-on help. That means the active, participatory intervention of experts who take the lead and lighten the load on your neck and shoulders by making YOUR problem THEIRS and then delivering a positive outcome on YOUR behalf. There is little point in you wasting time worrying about things you cannot change. Right now you may be deeply entrapped in negative equity and unable to move because of that fact. Understandably you are hugely stressed and wondering what fate may await you. It’s guesswork, of course. You really don’t know where you stand legally so you have no idea of what to expect.
But what you DO know is that your home is worth a lot less than when you bought it, which means that if you were to sell now the price fetched would be well short of the amount required to clear the outstanding balance on the mortgage you borrowed in order to buy it. You can spend hours, days, weeks, months worrying about this. But to what end?
The very fact that you are reading this article suggests you could be in the midst of just such a crisis right now.
You know exactly how this feels, don’t you? It’s a situation in which your heart sinks each time you see the postman or woman approach your door. It’s the same when an unknown number comes up on your phone. In other words, it’s a case of non-stop worry leading to the sort of anxiety that slowly erodes your confidence, eats away your self-respect and finally wears you down to the point where you no longer trust your own judgement on anything or believe in your ability to solve this huge problem. As you now see it, you’re a loser.
It probably doesn’t help to know that you aren’t alone. If you are in negative equity, you are one of 63,000 such householders here in Northern Ireland. That’s a whopping 41% of home-owners. So here is some very welcome good news – in the eyes of Negative Equity Northern Ireland, you are not a loser. Instead you’re an unfortunate victim of circumstances you did not create. That isn’t someone who deserves to be written off.
But rather than struggling on your own with a problem you almost certainly cannot solve, wouldn’t it make a lot more sense to seek the help of results-proven experts who pride themselves on their ability to find solutions for people who are deeply ensnared in debt, hugely stressed as a result and now wondering what they can do?
Because they are experts, Negative Equity Northern Ireland know a lot of things you don’t. They are highly skilled, time-served professionals who, as well as being very well educated in these matters, have years of experience in the fields of house prices, the wide range of mortgages available, interest rates and everything else that goes with home ownership. That is the level of know-how required in your situation because this is complex – way too complex – territory for anyone who doesn’t know exactly what they are doing.
So, question: realistically, how much do YOU feel YOU know about these things? If you have answered honestly, the chances are you will have said, “Not a lot.” That’s a good answer, because it is the truth. And since it is the truth it may just be the first vital step on the way out of the negative equity maze in which you find yourself. So here’s another question: why continue to wrestle with matters of finance you do not fully understand and issues of law of which you may be totally unaware, particularly when the lenders and creditors against whom you are hoping to square up are big-money organisations backed by legal specialists?
Professional heavyweight versus an amateur featherweight? Put like that it’s a bit of a mismatch, isn’t it?
But Negative Equity Northern Ireland are in the business of levelling the playing field. Staffed by men and women with backgrounds in banking, they know how lenders think and operate. Having worked previously for the other side so to speak, they know what banks and building societies will and won’t accept. And because they know the law, too, they are conversant with what can and cannot be done by either side.
All the major lenders are aware of and respect that know-how, which is why they are willing to sit down with Negative Equity Northern Ireland’s negotiators and find a solution. Now, there are advisors who offer advice – and sometimes it is very good advice, too. But, alas, there it ends. In other words, they inform you of your options and then leave you to get on with implementing the best of those. Well. good luck with that.
Negative Equity Northern Ireland, however, don’t leave you to paddle your own figurative canoe, not least because they know metaphoric canoeists would be in real danger of drifting up that well known creek having lost their paddle on the way. Not a good place to find oneself. So Negative Equity Northern Ireland don’t just offer advice, point you in the right direction, wish you all the best and wave you goodbye as you head off upstream to encounter your waiting lenders.
Instead, armed with their in-depth knowledge of house prices, mortgages, interest rates and home ownership, and buoyed up by their years of experience in banking, THEY get into YOUR canoe and, acting on YOUR behalf, head for the negotiation rapids. These are rough waters in which novices are unlikely to survive. But experts, who have been through these waters before, know where the rocks are, know what to avoid and know how to go with the flow.
From start to finish, Negative Equity Northern Ireland’s staff put themselves in the front line for you. That means you are kept out of the battle.
They do the work for you, checking, researching and re-checking before coming up with a package that gives you a future because it is acceptable to your lenders/creditors. How and why? Because the banks respect NENI well enough to know that what is on offer is the most realistic, honest and fair outcome available.
The proof of the pudding? Well, NENI recently managed to negotiate a 90% negative equity write-off for a Belfast family. That’s a life-transforming result.
Are they glad they called us? What do you think?