APS

🏠 How healthy is your property investment or residential property?

Our free Property Debt Calculator helps you estimate:

✅ How much equity you have
✅ How much interest you’re paying
✅ Whether rental income covers the mortgage
✅ How long it could take to get back above water

Get a clearer picture of your property finances today:

🔗 https://www.apsni.co.uk/calculator

Is your property worth less than the mortgage secured against it?

Negative equity can leave homeowners feeling trapped, particularly when they need to move, separate, sell or deal with an unaffordable mortgage. But avoiding the figures does not make the problem disappear.

Before making any decision, establish the current property value, mortgage balance, arrears and likely selling costs. That will show the estimated shortfall and the options that need to be explored.

Read our guide:
https://www.apsni.co.uk/ #/blog/what-is-negative-equity-options

For a free, confidential property assessment, call APS on 028 302 60006.

Check out our website www.apsni.co.uk for more information

Falling behind with mortgage payments can feel overwhelming. The temptation is to ignore letters and hope the position improves, but delay can allow arrears, charges and lender action to build.

Early action creates time to confirm the arrears, review affordability and understand any lender or court deadlines. It also gives you a better chance of making a controlled decision instead of reacting under pressure.

Our latest guide explains what you need to know:
https://www.apsni.co.uk/ #/blog/facing-mortgage-arrears-what-to-know

If you have received an urgent lender deadline or possession papers, contact APS on 028 302 60006.

Check out our website www.apsni.co.uk for more information

This recent Belfast Telegraph article about a property in Garvagh is a stark example of what can happen when a difficult situation reaches repossession and auction.

[https://www.belfasttelegraph.co.uk/news/northern-ireland/buyer-beware-graffiti-daubed-on-80k-ni-bungalow-up-for-auction/a/160687153.html

It doesn’t always have to get this far.

At APS, we work with homeowners and lenders to negotiate a purchase and find a fair, practical outcome for everyone involved. Where the offer is supported by market value, there may be an opportunity to avoid the additional costs and uncertainty of repossession and auction.

The important thing is to act early.
If you or someone you know is facing repossession or a forced sale, talk to APS. There may be another way.

www.apsni.co.uk

Not sure what to do next with a property or mortgage problem?

A free, confidential APS property review gives you a clear starting point. We look at:

• the property value and current position
• the mortgage, arrears and any secured borrowing
• lender, agent or court deadlines
• what outcome you need and the practical routes available

Where appropriate, APS can act on your behalf, speak with lenders or appointed agents, and handle the relevant property negotiations and communication, saving you the time and hassle of managing it alone.

Every case depends on its own facts. The initial review does not guarantee a particular lender, sale or debt outcome.

Call APS on 028 302 60006 or visit https://www.apsni.co.uk/

Property problems are rarely just about bricks and mortar. Mortgage arrears, negative equity, lender pressure or an unaffordable rental property can affect your finances, your family and your plans for the future.

Allied Property Solutions helps homeowners and landlords across Northern Ireland understand the figures, deal with property-linked debt and identify a realistic way forward. Every situation is reviewed confidentially and without obligation.

You do not need to have all the answers before speaking to us. The first step is simply understanding where you stand.

Check out our website www.apsni.co.uk for more information.
Call APS: 028 302 60006

How are UK homeowners using equity release in 2026? 📊

🛠️ 43% for home adaptations & improvements

🏦 30% to clear an existing mortgage (up from 27%)

🤝 15% for intergenerational gifting to support family

As cost-of-living pressures linger, many are prioritizing stability and debt reduction. Read the full article below! 👇

More homeowners releasing equity to clear existing mortgages Home adaptations and improvements still remain the top reason for releasing equity.

🏠 Do you have a problem property that you just can't move on from?

At APS, we specialise in helping homeowners and landlords who are stuck. Whether you're dealing with negative equity, a landlocked property that's proving impossible to sell, a buy-to-let that's costing you more than it's making, or the very real threat of repossession, we can help.

We've spent years finding solutions for people in exactly these situations, working with lenders across the UK and Ireland to get results that others couldn't.

Get in touch today for a free initial consultation and a free property assessment with no pressure and no obligation. You have nothing to lose by picking up the phone.

👇 Find out more at www.apsni.co.uk
📞 028 302 60006 | 📧 [email protected] See less

APS Negative Equity Break Free From Property Debt. UK, Northern Ireland and Ireland's top Property Debt Solutions Provider. APS are here to help you regain financial control. With experience of thousands of negative equity cases, and other mortgage related issues, there is no problem to big or too small that we can't f...

Turning Financial Struggles Into New Opportunities

Facing financial challenges can feel overwhelming, but it’s also a chance for a fresh start. 🌱 Negative equity or repossession doesn’t have to define your future. Let’s find the best solution for your unique situation and help you turn challenges into opportunities. Explore how you can rebuild and thrive