Property Debt IVA

We achieved an average mortgage write off of 77% for our clients in 2018.

Our service is 100% confidential, regulated and authorised by the FCA.

Since 2013 we have achieved a successful write off for 96.6% of our clients.

We have secured debt write offs worth over £70 million for UK property owners.

Property Debt IVA

We recognise that many of our clients have a “problem portfolio” and that can be extremely stressful. If you have multiple lenders and negative properties and maybe other debts as well (such as HMRC, credit cards, loans etc) you may qualify for an Individual Voluntary Arrangement (IVA).

Here the negative equity problem properties are 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. Example:


6 Negative Equity Buy to lets across 4 lenders:

£700,000 debt ( total ) + £600,000 value

Properties cash-flowing negatively, £200,000 of total negative equity, no ability to safely and affordably repay the debt


The six problem properties are sold, the £100,000 of negative equity is then addressed via affordable settlement eg £18,000 payable over 5 years at £300 per month leading to debt reduction of £82,000.

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.

See what our clients have to say: then call is on 0161 222 4311 to discuss how we can help you.

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