APS

Call Directions Website

APS Negative Equity Solutions When it comes to dealing with lenders, especially in distressed situations, most borrowers don’t know where to turn.

Add to this the additional stress of dealing with solicitors, debt collectors, or the courts, and it is easy to see why many borrowers in difficulty try to simply ignore the problem. At APS we have spent years developing our links with a wide range of lenders. Our knowledge of their policies, and our experience in dealing with negative equity, enables us to guide our clients through the process of dealing with the problem. Each client presents a different set of circumstances, and requires a solution tailored to their needs. It may be necessary to draw on a range of expertise. For this reason we have developed a network of professionals, able to provide advice on all the legal and financial aspects as well as debt solution strategies.

24/09/2026

Mortgage balance or redemption figure? They are not always the same.

The balance on an old mortgage statement may not be the amount required on completion. Daily interest, arrears, charges and early repayment costs can increase the final redemption figure.

Before selling:
1. Request a current redemption statement
2. Check the date the figure covers
3. Identify every secured loan or charge
4. Compare the full amount due with the expected net sale proceeds

APS can review the figures, identify any likely shortfall and deal with lenders or appointed agents on your behalf.

For a free, confidential initial review:
028 302 60006
[email protected]
www.apsni.co.uk

Individual circumstances vary and no lender or creditor outcome can be guaranteed.

Is your interest-only mortgage approaching its end date with no clear way to repay the capital balance?When the term end...
22/09/2026

Is your interest-only mortgage approaching its end date with no clear way to repay the capital balance?

When the term ends, the lender will normally expect the outstanding balance to be repaid. Waiting until the deadline has passed can reduce the time available to explore refinancing, repayment from other resources, a controlled sale or other professional advice.

Start by confirming the balance, property value, available equity, affordability and lender timescale.

Read the APS guide: https://www.apsni.co.uk/ #/blog/interest-only-mortgage-ending-options

To discuss your property position confidentially, call 028 302 60006.

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

17/09/2026

Has your income dropped while the mortgage payment has stayed the same?

Before agreeing to a repayment plan or deciding to sell, rebuild the figures using your current take-home income, essential household costs, mortgage payment, arrears and every lender deadline.

Do not create an artificial surplus that you cannot maintain.

APS can review the practical retain or sale routes, act on your behalf with lenders or appointed agents, and handle the relevant property negotiations and communication, saving you the hassle of managing it alone.

Every case depends on its individual circumstances. Mortgage products and refinancing require separate regulated mortgage advice.

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

A property debt problem does not need to reach repossession stage before you ask for help.If payments are becoming diffi...
15/09/2026

A property debt problem does not need to reach repossession stage before you ask for help.

If payments are becoming difficult, an interest-only term is ending, a property will not sell or lender pressure is increasing, an early review can make a real difference. It creates time to obtain accurate figures, check the property value and communicate with the relevant parties.

Not every case has a perfect answer. But clear figures and a practical plan are better than uncertainty.

See how APS helps: https://www.apsni.co.uk/

Call 028 302 60006 for a free, confidential initial assessment.

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

10/09/2026

Received mortgage possession papers? Do not put them aside.

1. Read every page and note the earliest deadline
2. Seek urgent legal or housing advice
3. Confirm the arrears, mortgage balance, property value and affordability
4. Prepare a realistic plan to retain or sell the property

APS can assist with the practical property and lender position alongside your legal adviser. We can review the figures, communicate with lenders or appointed agents and help organise the property route.

For a free, confidential initial review:
028 302 60006
[email protected]
www.apsni.co.uk

APS does not provide legal or court advice. Individual circumstances vary and no lender, creditor or court outcome can be guaranteed.

🏠 How healthy is your property investment or residential property?Our free Property Debt Calculator helps you estimate:✅...
09/09/2026

🏠 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, p...
09/09/2026

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 i...
09/09/2026

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...
04/09/2026

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

03/09/2026

Before making a major property decision, do you know these five figures?

1. Current property value
2. Current mortgage or redemption figure
3. Mortgage arrears
4. Secured loans and second charges
5. Expected selling costs

Together, these figures determine whether a proposed sale is workable and whether a shortfall is likely.

APS can review the practical property and mortgage position, explain the available routes and deal with lenders or appointed agents on your behalf.

For a free, confidential initial review:
028 302 60006
[email protected]
www.apsni.co.uk

Individual circumstances vary and no lender, creditor or court outcome can be guaranteed.

Address

4 Charlotte Street
Newry
BT343LF

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+442830260006

Website

,

Alerts

Be the first to know and let us send you an email when APS posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category