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Mortgage Debt | Secured Debt

When you take out a mortgage to buy a house, you are entering into a legal agreement with the lender to obtain a loan to finance the purchase. You repay the loan each month (with interest) until the payments are complete. Mortgage loans usually run for about 25 years, but this can be shorter or longer depending on the mortgage agreement.

There are many different mortgage loan products on the market, so it is wise to research all options to find the best deal for you.

Throughout the term of your mortgage, your loan could be subject to interest rate rises, which means your mortgage payments could increase.

If you can't keep up with repayments on your mortgage, the lender can repossess your home so they get their money back.

mortgage problems

If you are having mortgage problems or you are struggling to make your mortgage payments each month, then it is important that you seek help as soon as possible. We can advise you on what your options are so you can deal with your situation in the best way possible. It is important to act fast if you know you're not going to be able to afford your next mortgage payment.

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Secured loans

A Secured loan is money that you borrow that is secured against an asset, usually your home. These types of loans have lower interest charges, because they are less risky for the lender.

In the event that you can't repay the loan, the lender can seek to repossess your home. If you are having difficulty with a secured loan, get in touch and we will advise you on your options.

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Problems with rent

If you rent your property, it is just as scary when you run into difficulty with payments. We can analyse your situation to work out what options are available if you can't pay your rent.

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About us is owned by McCambridge Duffy who are one of the leading Insolvency firms in the UK and have been in the financial industry since 1932. McCambridge Duffy solely provide IVAs and other Insolvency solutions.

On our site you will find information on debt solutions, both formal and informal. We provide this information so you have a clear overview of the options available for dealing with your debts. We do not offer informal debt solutions, so if an insolvency solution is not your recommended course of action, with your permission, we will refer you to an appropriate agency/provider that can assist you further.

debt information NI

Unsecured Debt

Unsecured Debt

Most of the calls we receive are about unsecured debts which are debts such as credit cards, loans, payday loans, store cards and overdrafts... We specialise in helping people with these types of debts by offering insolvency solutions that can help you reduce payments to make them affordable...

Mortgage Debt NI

Mortgage Debt

Your rent or your mortgage is one of the most important bills you will ever pay. It’s the one thing that provides you with shelter. When you run into difficulties with paying your rent or mortgage it can be very scary. It is important that you seek help as soon as possible. We may be able to help you...

Job Loss

Job Loss

When you're facing redundancy or losing your job, the first thing you worry about is how you’re going to have the money to live, never mind if you have debts or other bills to pay. We may be able to help if you are facing employment difficulties and can longer afford to pay your debts...

Business Debt NI

Business debt

If you are an NI business owner having difficulty keeping up with debts and it's affecting the running of your business, then we may be able to help. We specialise in providing insolvency solutions for people who are self employed and need help recovering from the close of a business or to stop their business from going under...

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