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The property sector drives economic growth, from housing developments and commercial investments to rental portfolios and regeneration projects. But behind every successful venture lies a complex web of financial commitments and market risks.
Rising interest rates, declining valuations, delayed sales, and exposure to personal guarantees or overdrawn directors’ loan accounts can quickly turn a profitable portfolio into a financial liability. Even experienced developers and landlords can find themselves facing creditor pressure, HMRC demands, or the risk of insolvency.
At Bell & Company, we understand the unique challenges property professionals face. Our specialist team brings in-depth sector knowledge and proven strategies to help directors facing personal exposure resolve their liabilities, and protect both business and personal finances.
Whether you’re dealing with cash flow strains, being pursued aggressively by a creditor, investment losses, or fear your business is closing, we deliver clear, actionable solutions that put you back in control.
In Q1 2025, 6,480 UK property firms were classified as being in “critical financial distress.” (Begbies)
One-third of commercial property loans in 2025 face a funding gap, meaning borrowers can’t secure enough financing to cover their existing debt (CoStar)
Bell & Company made a stressful situation easy to digest and deal with, we couldn’t have resolved our matter without their experienced, professional and efficient problem solving.I particularly appreciated the attention they put into ensuring we understood our options in…
Sam H – GB
See How We’ve Helped Property Business Directors
From individual landlords and small developers to large-scale property groups and commercial portfolios, we’ve supported property businesses and individuals across the UK and Ireland through some of their most challenging financial situations. Explore real-world outcomes that show how we’ve helped protect investments, stabilise cash flow, and safeguard personal assets— even in the face of mounting debt, lender pressure, or bankruptcy.
Property Development Personal Guarantees Settled
The key issue Our clients were property developers who were forced by their lenders to sell the principal property…
3rd Party Negative Equity Negotiations
A young family with a newborn found themselves in a challenging financial situation. Struggling to keep up with their mortgage payments, they made the difficult decision to…
Stay informed with the latest articles written by our expert team, tailored specifically for the Property Sector
Negative Developments in Your Property Portfolio?
Are you watching your property development project spiral out of control? With bridging finance lenders increasingly calling in personal guarantees across the UK, many developers are suddenly facing personal liability…
Rental Property Profits Evaporating: New Challenges for Landlords
The dream of earning a steady income from rental properties is becoming increasingly elusive for many landlords. Recent data and legislative changes are painting a challenging picture for buy-to-let investors…
Negative Equity: The Solution
If your mortgage is more than the current value of your house, you have fallen victim to negative equity. Although this issue was most prevalent after the 2008 crash, it still affects over 500,000 people across the UK.
Watch our detailed Client Case Study Video
A group of directors running a successful property firm were caught up in a fraudulent investment scheme promising 300% returns. Unknowingly, they invested client funds into what turned out to be a Ponzi scheme.
Worse still, the directors had personally guaranteed £1.2 million of those investments.
Facing statutory demands, aggressive creditors, and the risk of bankruptcy, the situation was urgent. One director was selling their home, another was in the middle of a divorce, and a third had lost their career.
Watch the video to find out how we mitigated their personal exposure.
Are you a director in the Property industry facing mounting financial pressure?
Our expert guide gives directors the tools to protect personal assets, manage cash flow, and resolve debt risks—before problems spiral.
Property Sector Risks Are Rising – With commercial lease pressures, rising interest rates, and DLA or PG exposure, property directors are under increasing strain. This guide helps you act early and decisively.
Tailored, Practical Advice – Built for property professionals, it includes real case studies, actionable tips, and clear answers to common issues like personal guarantees, refinancing, and HMRC debt.
Free, Instant, No-Nonsense – Download now and get director-focused insights you can use today to protect your business—and yourself
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