The team at Bell and Company have a highly specialised team who deal with all aspects of Property Debt Issues in particular; Negative Equity issues. We pride ourselves on providing options for our clients who at times, find it hard to make informed decisions when burdened with property debt.

We work with all financial institutions in a way that looks to positively resolve the situation for our Client and this in turn invariably is the best outcome for lenders and creditors.

We have developed an excellent team who understand the circumstances borrowers find themselves in. We empathise with their situation, and together with our detailed knowledge of how each lender operates, the team can offer independent advice tailored to the client’s situation. Bell & Company are proud of the savings and settlements we achieve on a regular basis for our clients allowing them to move on with their lives. 

We specialise many areas of Property Debt Issues including:

  • Negative Equity on Residential Properties
  • Negative Equity on Buy-To- Let Portfolios
  • Commercial Borrowings
  • Negative Equity on Foreign Property including Spain, Portugal, Cyprus, Bulgaria and further afield
  • Individual & Company Property Portfolios


  • Formulation of tailored strategies for negative equity situations
  • Residential and Buy to let property portfolios
  • Bank/lender negotiations
  • Creditor negotiations
  • Property debt across Europe including Spain, Cyprus, Portugal and Bulgaria
  • Unfinished developments & lost, ‘Off-Plan’ deposits paid in Spain
  • Design & management of insolvency strategies
  • Pre Insolvency alternatives- Full and final settlement
  • Asset protection


How does the rise in interest rates affect you?
December 13, 2017 | 0 Comments

How does the rise in interest rates affect you? It came as a surprise to many when The Bank of England decided to increase the base rate from 0.2% to 0.5% after over a decade of no rises at all taking place. The rise in interest rates is something that we are all aware of…

Read More
The professions most likely to fall into debt
December 6, 2017 | 0 Comments

Anyone, regardless of their job, years of experience, age or financial situation can fall into debt. This can be the result of a whole host of factors such as difficult personal circumstances, business deals gone bad, irresponsible lending on behalf of banks and more. Having said this, not all professions are created equal. The same…

Read More
How you can beat debt
November 29, 2017 | 0 Comments

How you can beat debt Debt is a problem that affects millions of people all over the world. In the UK specifically, over 8.3 million families are currently living in debt, with this often causing people emotional stress and anxiety as well as financial problems. In Newham, London, more than 20% of the people living…

Read More
We look back at the Belfast Business Awards
November 24, 2017 | 0 Comments

As we near the end of 2017, we reminisce about Bell & Company’s success at the Belfast Business Awards. On Friday 26th May  2017,  Bell and Company were crowned winners of Customer Service Excellence, Professional Business Service in the Belfast Business Awards. The prestigious event was hosted by Belfast Chamber of Commerce. The category saw…

Read More
Are the banks still lending too much?
November 22, 2017 | 0 Comments

The global financial crash of 2008 is widely considered to have been the worst financial crisis since The Great Depression of the 1930s. Banks went bust, unemployment levels rose and many governments embarked upon austerity measures in an attempt to reduce enormous budget deficits the recession had laden their respective countries with. Earlier this year The…

Read More
Settlement of £78,000 on a £1.2 million liability – Savings of £1,122,000
November 16, 2017 | 0 Comments

In November 2017 we helped a client out of a huge Crystallised Shortfall   A farming client previously held a large property portfolio which was sold, leaving a crystallised balance of £1,200,000.   The Bank was pursuing the balance and commenced legal proceedings to recover the amount.   On appointment, Bell & Company initiated meetings with the…

Read More
Personal Guarantee exposure, 97 jobs saved and savings of £560,000
November 16, 2017 | 0 Comments

In October 2017, Bell & Company assisted a multi-site Northern Ireland business with Personal Guarantee exposure.   The clients instructed Bell & Company regarding their Personal Guarantee Exposure of £200,000 and potentiality loss of the company properties to a Fixed Charge Receiver.   The closure of the company would result in 97 employees losing their jobs…

Read More
Will property costs in the UK continue to rise?
November 15, 2017 | 0 Comments

Property costs in the UK For many of us, property prices are simply too high. A sizeable majority of us are priced out of living in our capital where, along with higher living costs, you’ll find the average house price to be a whopping £481,556. Perhaps soaring prices are to be expected in Britain’s capital,…

Read More
First-time investor left with large shortfall
November 10, 2017 | 0 Comments

Bell & Company were contacted by a gentleman who had been left in negative equity on his home. This was the gentleman’s first time investing in property, and unfortunately, just took out a mortgage at simply the wrong time, and had the possibility of insolvency looming over him. At Bell and Company, over our years…

Read More
‘Buy-to-Let’ property stress
November 10, 2017 | 0 Comments

Bell & Company finalise successful negotiations on a buy-to-let property. An older couple based in England approached our company regarding a property they had bought to rent as a holiday home in the south of the country. The lender was known to be notoriously difficult to deal with, so this was an ongoing battle between the…

Read More

We offer a completely free, no obligation initial consultation