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Every homeowner at some point in there life will be looking to raise finance for one reason or the other. Some homeowners might look at remortgaging there property as a mortgage is the cheapest way for homeowners to borrow but many homeowners do not want to go down the mortgage route as taken out a mortgage can be a lengthy progress and not one of the fastest way a homeowner can raise extra money. Some homeowners might not look at remortgaging as they have penalties to come out of there existing mortgage. The next best thing to a remortgage is secured loans as secured loans are quite like a mortgage and known as being a second charge on your property. Secured [link widoczny dla zalogowanych] loans are more flexible than unsecured loans and you [link widoczny dla zalogowanych] can borrow a larger amount to unsecured loans and secured loans can also be taken over a longer period of time.

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There has been a change in the mortgage industry and many mortgage lenders are not lending to self employed without proof of earnings and many self employed are not been granted a remortgage with there current mortgage lender [link widoczny dla zalogowanych] to raise extra money and unfortunately not all self employed realise that a secured loan is a very good alternative to a remortgage. Secured loans are available to self employed without proof of earnings.

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To qualify for a secured loan you have to have a little equity in your property and the lender will also look at your affordabilty just to make sure that you can [link widoczny dla zalogowanych] afford the loan and you are not over committed but this is standard practice with all loans.

There are a lot of lenders looking to lend and some specialise in different circumstances such as prime and subprime lending. Prime lending is if you have a really good credit history. Although if you have a bad credit history you should still be able to qualify for a secured loan but the interest rate that you are given will depend on your credit profile.