1. Director, Bell & Company
Terry Bell
Director, Bell & Company

2. Who are we?
Bell and Company are a team of dedicated staff who specialise in providing Pre and Post Insolvency strategies.
We work across a wide range of areas within the Insolvency sector with specialisms in the area of Property-Associated Debt. We help our clients to navigate out of corporate and personal debt by steering them in the right direction with impartial and tailored advice.
Whether it’s a large or small matter, our focus is on developing strategies and taking a pragmatic approach to assisting companies or individuals recover from financial distress.

3. “The key to achieving the best possible outcome is more than strategy alone, it's about implementation. We have the expertise and resources needed to make it happen."

4. What do ‘Debt Strategists’ do?
Negative Equity Solutions
Personal Guarantee Negotiations
Business Turnaround
Pre-Insolvency Options
Formal Insolvency Advice
Debt Advice

5. NI House Prices over the years

6. Peaks, Troughs and a slow recovery…
The standardised house price for the whole of Northern Ireland increased for the 15th consecutive quarter, and now stands at £125, %
That compares to £97,428 at the bottom of the market in 2012 – 43%
This is still far below the bubble-era peak of £224,670
Source - The Northern Ireland House Price Index (HPI)

7. "There are three kinds of lies: lies, damned lies, and statistics…
 "There are three kinds of lies: lies, damned lies, and statistics…..“ Mark Twain
56 / 43 = 30%
Over the year the largest rise was in the apartment sector with prices up by 11%.
For all other property types, the increase was about 5%.
The council area with the highest average price is Lisburn and Castlereagh (£149,600) and the lowest is in Derry/ Londonderry and Strabane (£108,464).
The number of properties sold in 2016 was 21,669, down slightly on the figure.
Prices more than halved between 2007 and early 2013 but have been increasing gradually since then but there is still a big Negative Equity Issue .

8. Mortgage Lenders – Current approach to Negative Equity

9. House price % change in Spain

10. Mortgage Lenders – Current approach to Negative Equity- Spain
Off- Plan Deposits lost in Spain

11. Negative Equity- Further afield…
Greece
Cyprus
Portugal
France
America…

12. Interest Rates… (subject to these balloons)

13. Brexit- Implications

14. Questions?