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Struggling With EU Property Debt?


Call us today on:
+44 330 124 1230

Request a Call Back

Enter your details below and a member of our specialised team will call you back for a no obligation chat and show you how we can help.

  • Do you want to sell your foreign property but feel trapped by Negative Equity?
  • Are you struggling to pay your mortgage?
  • Did you purchase a holiday home in an unfinished or abandoned development?
  • Are you worried about your debts being pursued in your home country?
  • Has your property been repossessed and are you being chased for debt you cannot afford?
  • Was your foreign property mortgage mis-sold?
  • Are you worried about the implications of BREXIT on your foreign holiday home?

How We Help

We specialise in helping people experiencing stress with foreign property debt, including:

Negative Equity on Overseas Property

We help to sell property in Negative Equity across Europe

Spanish Deposit

Reclaiming deposits on unfinished developments in Spain.

Property Debt

Advising on best options to navigate out of property-associated debt


We help to sell property across Europe, no matter what your financial status is.


Negotiating with lenders on arrears, repossessions or large debts.

Will your Debt be chased in the UK?

Providing tailored strategies to ensure assets are protected.

What Our Clients Say

Thank you for dealing with our Spanish property release with the successful outcome achieved this has been a massive relief to myself & my wife.

We are very grateful to you both for the excellent & tactful way in which you handled the situation with the Spanish banking establishment & particularly with the efficiency & speed in which it was executed. Myself & my wife could not have negotiated with the Spanish banking system without your professional skills & guidance.

I would just like to finish by saying that we now have our financial lives back on track & we would highly recommend your company for any dealings with property associated debt.

Mr & Mrs B

I would like thank you for everything that you have accomplished for me & my wife over the last few months & your professional approach to this difficult situation- well done! We can now get our lives back on track & plan for the future.

Mrs + Mrs J. C

I had taken out a mortgage on a ‘dream’ property with a Spanish lender almost 10 years ago, which soon after turned into a nightmare. I was unable to keep up with the mortgage payments and it was causing me untold stress. My Spanish lender was being extremely unhelpful and quite frankly the language barrier put me off wanting to deal with them, so I brushed it to the back of my mind for quite some time. After speaking to a friend out in Spain they told me about EU Property Solutions and how they had managed to achieve a significant write down on the remainder of someone’s mortgage after they had sold their holiday home. I thought this sounded too good to be true, but due to the fact that they provided an initial consultation free of charge I gave them a call, after all ‘nothing ventured, nothing gained’. They explained to me that my case had potential for the same outcome and so I appointed them to represent me to the bank on my behalf. They were able to write off over €150,000 with a miniscule settlement amount, I cannot describe my relief when I got the news. I am more than pleased with the results and their service throughout and would implore anyone in the same position to give them a call.

B. A.

We bought our property in our 40’s thinking maybe one day we could retire there; we couldn’t have been more wrong! We thought it would go away but we could never keep up with the mortgage and we didn’t receive an income like we were promised. A friend mentioned EU Property Solutions to us and there was our answer! They helped us handle every aspect of the case and were professional and kind, the settlement they obtained was fantastic and the relief is amazing especially at our time of life I would highly recommend their services.

Mr. & Mrs. L.

Good Morning

Firstly can I thank you for the successful completion of this process and transaction. When I first met you James in Leeds I was so encouraged to hear that the issue was solvable but struggled to believe in your 100% belief that you could actually bring about a successful outcome. I am so very grateful and will happily be a referee for any future clients. Rado I have appreciated your continued support, positive reassurance and guidance throughout the process immensely, as you know I have been exceedingly anxious. xxxxxxx thank you for your sterling work in negotiating this settlement

Susan C.


Here are some frequently asked questions. If you have any other questions about our services. Please get in touch with us on:

+44 330 124 1230

Who are EU Property Solutions?

Our specialised team are like no other and have been specifically developed to be experts in the field of Insolvency and Debt negotiations.

We pride ourselves on the excellent relationships we build with all stakeholders.  The professional service provided to everyone that walks through our door is without doubt the best available.

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

Our team of dedicated professionals encompass a range of backgrounds including:

  • Legal
  • Accountancy
  • Financial Advisory
  • Business consultancy
  • Insolvency
What is Negative Equity?

Negative equity occurs when the value of an asset used to secure a loan is less than the outstanding balance on the loan.

We have found through experience that a large majority of our clients invested in properties across Europe with specific reference to Spain during the property boom. These clients, like a large proportion of the population now either can no longer service repayments, no longer want the distressed property or like some have been left with a property in an unfinished development but feel trapped due to the burden of the massive Negative Equity- the property is only now worth a small proportion of what was initially paid.

What countries do you work in?

Primarily we work in Spain, Portugal, Ireland, Greece, Cyprus and Bulgaria currently. However, with continued uncertainty across Europe there is always the possibility our remit will grow.

Spain is our primary area of expertise and we have achieved numerous excellent results here

I am struggling to pay my mortgage and want to sell what are my options?
  • Stop paying your mortgage and allow the lender to repossess your property- the lender will then pursue legal action to recover the debts owed
  • Sell and pay off the negative equity at the time of sale
  • Rent the property until market value increases or you pay the loan down to a point where equity is positive however the owner must be aware that it may take considerable time for the market to return to a point where it was circa 2007
  • Contact EU Property Solutions now. We can provide assistance and arrange to help you sell your property and agree to repay a minimal amount of the debt or cancel the mortgage so that you can move on with your life.
My Property was repossessed. What do I do now?

It is still imperative you engage with your lender. Any resulting shortfall from the sale of the property by the Bank you will be liable for and as mentioned above UK debt collectors are being appointed to collect debts on behalf of overseas lenders.

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