This article suggests that around 75,000 households could face negative equity. Areas of Manchester, Glasgow, South East London and Birmingham appear to be most at risk because the value of an average home in these areas is only a small amount over the mortgage on the property. This useful map shows the areas that are considered to be most at risk from a fall in home prices and at a risk of people having their homes repossessed. The figures are based on analysis from Experian one of the largest credit reference agencies. The research also shows that 78,394 households have less than 20% equity in their homes and that if house prices were to fall by 20% as some experts predict that these people would face negative equity.