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SECURED LOANS ARE VERY ACCESSIBLE
A secured loan is designed for homeowners as it allows them to use the value of their property as security. This type of loan can usually be used for any purpose and is usually the best choice.

The biggest difference between secured and unsecured loans is that unsecured debt is not guaranteed by your own personal property. This means for most people the limit to how much they can borrow depends on the value of their property.

In recent years, borrowing money has become easier and therefore is becoming increasingly popular. The rising popularity of consumer finance has also been aided by the wide variety of deals and low interest rates that are made available for virtually all borrowers. Secured loans are very popular with those that own property, and this type of finance deal offers affordability and excellent value for money.

A secured loan is commonly provided with a much lower interest rate than an unsecured loan because you will have secured your personal property against it. They are normally quicker to arrange simply because of the fact that the lender has some security to offset against the loan should you default in the repayments.

Secured loans are suitable if you want to raise a large amount money, are having problems getting an unsecured loan or do not have a faultless credit history. With secured loans, lenders are very flexible, making a secured loan possible when you may have been turned down for an unsecured loan.

Equity is the value of the home in excess of your current mortgage, eg. if your home is worth £150,000 and a mortgage for £80,000 in unused equity in the home, which banks will be willing to lend against. These days, with house prices continually increasing in value, most people who own their homes will be able to borrow a very large amount depending on how much equity they have free in their home.


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LOANS MAY BE SECURED ON YOUR HOME. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.