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“A property is in negative equity if it’s worth less than the mortgage secured on it, and it’s normally caused by falling property prices.”

The Spanish property market suffered severely following the global financial crisis with property values dropping significantly. This has become a significant issue for foreign investors who purchased homes in Spain during the boom period pre-2008.

Negative Equity occurs when the value of the property is less than the outstanding mortgage. Given lending practices in Spain where loose during the boom period many overseas borrowers feel “trapped” and cannot off load the property due to negative equity, they are effectively mortgage prisoners.

EU Property Solutions understand the significant burden Negative Equity can have on borrowers but have also developed solutions to give overseas home owners a way out of Negative Equity. Over the years we have developed a legal team operating from our Spanish office who understand the nuances of each individual lender and the process to best assist our clients achieve their desired outcome.

EU Property Solutions deal with all core Spanish lenders and have achieved excellent settlements on the Costa Del Sol, Costa Brava and Costa Blanca, all of which were popular areas for investment for overseas purchasers.

When you initially approach EU Property Solutions our fact find is concise and essential to ensure the best result possible. Our team will discuss the option available to you with all costs transparent upfront.  Furthermore, our service is supported by telephone references for those who have benefited from our Negative Equity solutions in the past.

We ask you visit our testimonials page by clicking here to see our past achievements.

If you have a negative equity property in Spain call EU Property Solutions today on +44 330 124 1230.

Request a Call Back

Please fill in your details to request a call back from their expert team



EU Property Solutions always offer any potential client a free initial consultation. This can be done face-to-face in one of our three office locations, via Skype, a conference call or via email. We typically ask for standard financial information when meeting as this allows us to give you the best advice tailored to your circumstances. We are not here to judge, but to assist those who find themselves in difficulty and provide solutions to navigate to better positions. Our fees are always made open and transparent from the outset and there are no hidden fees or costs.

Our team has a fantastic attitude and will take openly and frankly with all our clients with the sole aim of achieving the best possible outcome. Please contact us at EU Property Solutions today and we look forward to meeting you soon.


La Manga Strip – Complete debt write-off
July 18, 2019 | 0 Comments

A couple appointed EU Property Solutions, their property on the La Manga Strip was causing them a headache. Declining rental income made the property an undesirable investment and property was in Negative Equity to the region of €15,000 but if you included sales costs the figure was closer to €30,000. Furthermore, given current market conditions…

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Over €200,000 saved – Full & Final settlement in the Algarve, Portugal
May 24, 2019 | 0 Comments

We were approached by a gentleman with two property shortfalls in Portugal. Our client purchased the properties in the Algarve in 2008 with promised rental yields. These yields did not materialise and our client was having to find funds to top up the mortgage payments. This was clearly unsustainable and our client fell into arrears.…

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Full Mortgage Write Off in San Luis Sabinillas, Malaga
May 1, 2019 | 0 Comments

A retired couple from Nottinghamshire approached us with their holiday apartment in San Luis Sabinillas, near Duquesa on the Costa del Sol. They had a mortgage outstanding of €170,000, with the property being valued at €159,000. The monthly cost was €90 – but the issue here was this product was sold on an interest only…

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Another La Cala Success – Complete Debt Write Off
April 30, 2019 | 0 Comments

A married couple from Hertfordshire approached us with their holiday villa in La Cala Golf & Country Club. They had an outstanding mortgage of €678,000 with Banco Sabadell. The property was valued at €599,000 and the couple found it very hard to find buyers due to the uncertainty that Brexit has brought, coupled with Spanish…

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Cyprus Property Mortgage Settlement
October 25, 2018 | 0 Comments

This week we finalised a settlement with a core Cypriot lender on a failing Cyprus property mortgage investment in Larnaca. The gentleman approached us for help solving his Cyprus property mortgage problem. Following a recent discount offered by the Bank, the outstanding mortgage was £150,000. However, despite the discount, the property valued at a mere £50,000.…

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Debt Write Off & UK Assets Protected
August 18, 2018 | 0 Comments

Debt Write Off & UK Assets Protected We were contacted by a mature couple regarding a property in the well-known area of Playa Vera. This had been a holiday getaway home for them, however it began to cause them undue stress and worry when the mortgage repayments increased to £700 per month. They were unable…

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La Cala – 100% Debt Write Off
August 18, 2018 | 0 Comments

We were contacted by a couple who owned a property in the picturesque area of La Cala. They had advised us that the mortgage repayments had increased dramatically. They were no longer able to keep up with these due to several financial pressures and the hike in repayments. To make matters worse, the outstanding mortgage…

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Complete Debt Write Off in Duquesa Village, Costa Del Sol
August 18, 2018 | 0 Comments

Complete Debt Write Off in Costa Del Sol We were contacted by an elderly couple regarding a property in the popular area of Duquesa Village in the Costa Del Sol. This had been their dream holiday home, however it started to cause them considerable stress when they began suffering with age related illnesses. They also…

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EU Property Solutions tackle another problematic Cypriot property
March 14, 2018 | 0 Comments

A gentleman approached EU Property Solutions with a problematic Cypriot property. It was a typical mortgage sold in Cyprus during the boom and the currency was the ever problematic Swiss Francs. Swiss franc mortgages were sold based on the exchange rate at the time which included a variable interest rate. Major issues experienced by clients…

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Problem property in Guadalupe Hills development
March 14, 2018 | 0 Comments

Two gentlemen approached EU Property Solutions with a problem property in the Guadalupe Hills development near La Duquesa. The property had a mortgage outstanding of €120,000 and a value of just €50,000. The main issue was the long-term tenant was leaving the property and given its value, the was becoming a significant headache. One gentleman…

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