Negative Equity UK Reviews

Name: Negative Equity UK
Address: Unit 2, Channel Wharf, 21 Old Channel Road,, Belfast, Antrim
Rating: 4.71

4.7 Rating 215 Reviews

94 %

of reviewers recommend Negative Equity UK

Company Reviews

Questions

Metrics

4.7

Based on 215 reviews

Shipping & Delivery
Delivery Methods	Postal Service
Customer Service
Communication Channels	Email, Telephone, Live Chat
Queries Resolved In	3 - 6 Hours

Visit Website

Phone:

0161 660 4403

Location:

Unit 2, Channel Wharf, 21 Old Channel Road,,
Belfast
Antrim
BT3 9DE

Write Your review

Tell us how Negative Equity UK made you happy

Minimum 10 characters

Would you like to add a photos or videos?

Strengthen your review by uploading photos & videos.

Drag files here or browse

(Supported files: jpg, png, mpeg, ogg, mp4 & webm)

What's your name?

Leave this blank if you'd like to publish your review anonymously.

(Optional)

Whats your email?

We need your email address to verify that your review is genuine

Please note that we may share your email with the company to verify your order.

Negative Equity UK 1 star review on 9th March 2026

Christine Mitchell

Negative Equity UK 1 star review on 20th February 2026

Isabella

Negative Equity UK 1 star review on 18th February 2026

Robinson Jones

Anonymous

Anonymous // 01/01/2019

Sort by: Most Recent Most Recent Highest Rated Filter: None None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“I am very happy with the service and advice I have just had from Tom and the team. Tom really does take the time to listen to you and your situation. I have spoken to many people about my situation and Tom was by far the most knowledgeable and was able to offer me some very valuable advice. Thanks again for the wonderful service”

Helpful Report

Posted 8 years ago

“Very helpful friendly staff that work hard to get the best result for their clients we would never have been able to leave our property if it wasn't for cd Fairfield”

Helpful Report

Posted 9 years ago

“We had bought our flat at exactly the wrong time, ultimately leaving us with a huge shortfall and the prospect of staying in what was meant to have been our starter home, for life. After a long and frustrating search for help we were about to give up when we saw a billboard advert for Negative Equity NI. Despite being massively sceptical we decided to give them a call. Very glad we did as we have now been able to offload the property, move home and manage our debt with reasonable and affordable monthly payments. The guys at CD Fairfield were very helpful and honest and always available to answer any questions we had....and there were many! Highly recommended, they turned out to be a real lifesaver.”

Helpful Report

Posted 9 years ago

“Having buried my head in the sand for some time over £132,000 of debt I eventually went to Negative Equity UK. They immediately assesed my situation and explained a number of options. With their expert guidance and support I managed to clear my debt for £17,000. I would highly recommend Negative Equity UK.”

Helpful Report

Posted 9 years ago

“They made the process very easy to what we thought was a very difficult situation.”

Helpful Report

Posted 9 years ago

“Professional staff and we were always treated with respect and dignity. Very happy to go with this company. We would highly recommend them to anyone.”

Helpful Report

Posted 9 years ago

“Our buy to let property was on an interest only mortgage, with £50000 negative equity and there was a real possibility of interest rate rises back in August 2014. We thought we were going to lose our family home as well as the buy to let, things were that bad. I spoke to Negative equity, who took on my case and then put a plan in place to get me out of this mess. They dealt with the bank and their solicitors directly, so apart from having to sign a couple of forms, I didn't really have anything to do. My debt was cleared with the bank for £5000 in June 2016 and my credit score wasn't affected. I can't thank the Negative equity team enough, as I didn't think I had anywhere else to turn. I would certainly recommend them to anybody in a similar situation.”

Helpful Report

Posted 9 years ago

“We had 2 buy to let properties which were interest only and in negative equity to the tune of £112,000. We didn't know what to do, and a friend recommended CD Fairfield. We contacted Heather who took on our case, explained how everything would work and the timescale and the probable outcome. During the negotiation period we had no contact with mortgage company at all, so our normal lives were able to continue. We ended up paying £20,000 as a full and final settlement, for which we were delighted to pay. Heather was brilliant throughout the whole process, keeping us up to date at each stage, and I would highly recommend her and CD Fairfield.”

Helpful Report

Posted 9 years ago

“Having being left in Negative Equity with 2 Buy To Let properties with £112,000 of Debt, we didn't who to turn to. Negative Equity NI were recommended to us and we started the process with them, very much in the dark to what the journey or the final outcome would be. Heather guided us through the process, and at no stage did we any contact with the mortgage company or their debt management company. This allowed our normal lives to proceed. Heather kept us informed every step of the way and in the end up we settled for £20,000 of a one off settlement. This for us was a fantastic result with £92,000 being written off. The settlement is full and final so we are now able to move on with our lives and our credit has not been affected.”

Helpful Report

Posted 9 years ago

Helpful Report

Posted 9 years ago

“We were in serious negative equity in our home and with the help of This company we were able to sell the house and move, we have affordable payments each month and can now look forward to the future.”

Helpful Report

Posted 9 years ago

“went seen these guys may 2016 as my debt was crippling me with high interest payments thanks to negative equity i now have a payment plan in place at an affordible rate an now able to sleep at night without the worry would definatley reconmend this company to anyone who is struggling with debt”

Helpful Report

Posted 9 years ago

“Life was doom and gloom ! bankruptcy was on the cards, but i was recommended to visit NEUK and it was the best thing i ever done ! No more hassles from credit card companies, banks etc.. Great team of experts under one roof.. Definitely recommend if anyone is under pressure from the banks..”

Helpful Report

Posted 9 years ago

“Contacting the guys at Negative Equity UK is most definitely the best decision I have ever made in my life. I could see no light at the end of the tunnel, bankruptcy seemed to be the only option. I had massive negative equity in my home and other Buy to Let properties. The team worked with me tirelessly and I am delighted to say completed an affordable IVA for me in March 16. I have no hesitation in recommending Negative Equity UK to anyone in the same position. My life has been changed because of this company.”

Helpful Report

Posted 9 years ago

“The overall service was top notch they talked us through each and every possible outcome and helped to ensure we stayed positive when you never thaught you could see a way out! Thankfully after a long and drawn out process we finally got there and settled of a very fair settlement I couldn't recommend negative equity highly enough great work and thanks again for helping me get back on track ????”

Helpful Report

Posted 9 years ago

“Many thanks to Negative Equity UK. Their service, help and advice were fantastic and I am extremely pleased with the result.”

Helpful Report

Posted 9 years ago

“We purchased a house in August 2007 for £175,000. We were getting married one year later so we're keen to buy and settle. The house prices just kept creeping up and we didn't see them falling anytime soon, how wrong where we. many significant changes happened in the following years such as an ongoing medical condition, young family, both changed jobs and location became unsuitable due to child minding and distance for jobs. Feeling we had no other options but to hand the house back and go 'bankrupt' we started to look into options. CD Fairfield came at a time when we had lost hope in our mortgage company after asking for help and advice on numerous occasions. Cd Fairfield have been supportive, provided guidance and at no time ever made me feel like I was annoying them with my multiple phone calls and emails. They have been consistently professional and encouraging throughout, especially our case manager Heather. I won't lie, it has been a long stressful process and for us... It paid off hugely!! We have no Iva, no bankruptcy and no arrears. Heather managed to negotiate with the bank an agreed lump sum and small monthly payments over 4yrs. I have recently checked my credit trying and it is already higher than my brother in laws who is no debt etc. My advice is have a little patience, don't be afraid to ask and in time it might also pay off for you!”

Helpful Report

Posted 9 years ago

“The best decision i ever made was to call into negative equity. I didnt think they could help me, i didnt think anyone could but they did. I felt that i was stuck in a rut with no sign of escaping but thanks to the guys at negative equity i can finally see light at end if tunnel for me and my children. I cannot thank the people there enough. I bought a property on my own when badly advised just before the crash and it had haunted me every since. I found myself getting into more and more debt trying to a mortage amd co ownership loan that i should never have been given. But hopefully with negative equitys help i can finally move on. Thank you to everyone there”

Helpful Report

Posted 9 years ago

“I purchased an apartment in 2008 for £195,000. I made a bad decision and took bad advice regarding an interest only mortgage in conjunction with Co Ownership. The monthly rent and interest only mortgage was too much for me as a single person and they was never any chance I would have been able to start making mortgage repayments. I was totally mis sold this mortgage. I thought there was no way out and I continued to struggle to make payments for 8 years getting further into debt in order to live. In 2016 my property was in £100,000 of negative equity and I wanted out. My Mortgage company and co ownership were of no help and told me bankruptcy was the only option. When I found out about Negative Equity NI, I made an appointment for an initial chat, with no great hopes of a solution. After my first meeting with Tom in April, I actually felt for the first time in years that there was a solution to this nightmare and I could actually be out of it in a few months. The whole process was actually very simple and not at all stressful, everything is taken out of your hands and dealt with in a professional and efficient manner. Nothing was too much trouble, even though I often had silly questions! I moved out of my apartment in August and am now in rented accommodation, so much happier and stress free without a mortgage, which was literally making me ill. Big thanks to Tom, Kyle, Scott and Adele for making everything so easy.”

Helpful Report

Posted 9 years ago

“Literally the best thing I've ever done. My house had £80,000 of negative equity. I didn't really want to live there. I was "treading water" paying an interest only mortgage. Negative Equity UK sorted it all out. The house was sold and I'm paying back £9,000. £71,000 write off. Very understanding and helpful people. Totally approachable. I've recommended them to several friend's in the same boat.”

Helpful Report

Posted 9 years ago

Negative Equity UK is rated 4.7 based on 215 reviews