Property Debt IVA

We recognise that many of our clients have negative equity plus other debts, possibly credit cards and loans, that are problematic or maybe negative equity with different lenders across various properties. Balancing these payments every month can be extremely stressful. If you have 3 debts or more, including negative equity, you may qualify for an Individual Voluntary Arrangement (IVA).

Here, the negative equity problem property is sold, and all remaining debt included into a single settlement that can be paid as lump sum or 5–6-year payment plan, depending on affordability

We specialise in negotiating with lenders regarding both the sale of negative equity properties and settlement for the remaining debt taking away your worry and stress of having to deal with lenders, tenants, valuers and estate agents.

An example:


  • One Property with £50,000 of negative equity
  • Outstanding Credit cards with £11,000 balance
  • Outstanding loan with £9,000 balance
  • Total Debt – £70,000


The property is sold and the remaining debt (negative equity) addressed via an affordable settlement e.g., £15,000 payable over 5 years at £250 per month. This settles all debts leading to a debt write-off of £55,000.

Next Steps

Call us on 0161 660 4403 or fill in the contact form to discuss how we can help you.

See how we have helped others in situations just like yours from our reviews