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Secured Lending - a Guide to Releasing the Value in Your Home


The recent boom in house price values have made some homeowners more wealth than they could have possibly earned though working in their jobs, however what use is all that wealth if you can't get your hands on it until you've sold your house? The quickest and easiest way to unlock the increased value in your home is often a secured loan that will allow you to receive a lump sum upfront without having to move or remortgage your house.

Why take a secured loan?

Perhaps it's time to take that amazing touring holiday, perhaps it time to replace the kitchen or even build an extension to your home, with unsecured lending normally restricted to amounts less than £25,000 if you need borrow more money then the best option will be a secured loan. Using a secured loan you could borrow up to £100,000 to spend at a low rate of interest because the lender has a second charge on your home.

Securing a loan on your home

Taking a secured loan is different to taking out an unsecured personal loan in several ways firstly the amount you can borrow is governed by the amount of equity you have in your home. The amount of equity is the current value of your house minus any outstanding mortgages and other loans.

After you have established how much you can borrow, the lender will make you and offer and undertake a survey on your house (usually a desk survey not involving an actual visit by a surveyor). If you progress the lender will then register a second charge on your home, this then gives them the right to receive money from the sale of your house should you fail to make repayments on the loan.

After you have taken out the loan you will then begin repaying the loan in small monthly payments, because the loan is secured against your property the loan can be arranged for a longer period of time and the longer the time you take the loan over the smaller the monthly payments.

Taking out a secured loan could be the answer to your dreams.

Rhodri James is the Consumer Finance Manager for Decision-Finance http://www.decision-finance.co.uk, a company that specialises in providing customers with on-line quotes for financial services such as secured loan and unsecured loan.


TODAYS NEWS BY OFFICEJAX FREE ADVERTISING AND AD EXCHANGE SOLUTIONSMORE RESOURCES updated Sun. July / 21 / 2019

Good time to refinance your mortgage?  Fox Business

The 30-year fixed mortgage rate recently reached its lowest levels since September 2017.


How to Refinance a Mortgage and When to Do It  TheStreet.com

Your mortgage can cost a lot of money over time. Here's how it might just cost a little less....BAC.


Consider a Mortgage Refinance, Even If You Bought Recently  NerdWallet

Mortgage rates have fallen so much lately that millions of homeowners might benefit by refinancing — even if they bought a home in 2018.


Will mortgage rates drop even more? Should I wait to refinance?  The Mortgage Reports

Mortgage rates are near historic lows, but maybe you've heard that nagging voice, the one which says “wait just a little longer. Rates can drop lower.


Refinance mortgage rate moves up for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate cruised higher. See what that means for your refinance.


Refinance rates advance for Monday  Bankrate.com

Several benchmark refinance rates cruised higher today. If you're shopping for a mortgage, see what that means for you.


Refinance rates decline for Friday  Bankrate.com

Several closely watched refinance rates decreased today. If you're shopping for a mortgage, see what that means for you.


Refinance rates trend higher for Wednesday  Bankrate.com

Several closely watched refinance rates cruised higher today. See what that means for your refinance chances.


Debt Consolidation with Mortgage Refinancing: How to Pay Off Debt with a Refinanced Mortgage  Zing! Blog by Quicken Loans

Considering a mortgage refinance to consolidate debt? Before you do, read our guide to make sure you understand how it works along with the pros and cons.


Mortgage rates today, July 18, 2019, plus lock recommendations  The Mortgage Reports

Average mortgage rates fell by a worthwhile amount yesterday, as we predicted. The drop wasn't enough to offset recent rises. But it was a step in the right ...


Refinance rates retreat for Wednesday  Bankrate.com

Several key refinance rates trended down today. See what that means for you if you're in the market for a mortgage.


More than 8 million homeowners are leaving big money on the table by not refinancing  CNBC

Mortgage rates have been on a roller coaster for the last year, but now they're sitting at the bottom of the track, and that is giving a major boost to the number of ...


Refinance mortgage rate retreats for Tuesday  Bankrate.com

Refinance rates were mixed, but one key rate ticked downward. If you're shopping for a mortgage, see how your payments might be affected.


6 Strategies To Make Your First Mortgage Refinance A Success  CBN News

Mortgage rates may be rising but there's still room to refinance your home loan. Use these six ways to get the best deal on your first mortgage refinance.


Should you refinance your mortgage now?  Clark.com - Clark Howard

Money expert Clark Howard has a simple rule for when to refinance your mortgage. See if it applies to you and how you can hit a "grand slam" if you do it.


4 irresistible perks of a VA mortgage refinance  Bankrate.com

Interest rates are near historic lows, and one particular VA loan refinance option that is easy to qualify for can enable homeowners to save thousands on their ...


How to get the best deal on your home mortgage refinance  cleveland.com

Mortgage rates may be rising but there's still room to refinance your home loan. You might have heard much said about the constant rise of interest rates over the ...


This is how ridiculously low mortgage rates are now. A historical perspective  The Mortgage Reports

Home refinance rates are low. This is a statement which is both true and does not adequately describe the current mortgage situation. Mortgage rates in the 3% ...


Mortgage rates today, July 19, 2019, plus lock recommendations  The Mortgage Reports

Average mortgage rates barely moved yesterday, as we predicted. What small move there was, turned out to be friendly. And the small fall took rates very close ...


Refinance mortgage rate slides for Friday  Bankrate.com

Refinance rates were mixed, but one key rate slid lower. See what that means for your chances of scoring a killer refi rate.


Should you refinance your mortgage now? | FOX13  FOX13 Memphis

Mortgage refinancing rates in recent weeks have been dropping at a pace we haven't seen in quite a long time.


Weekly mortgage rates fall further, but only refinance applications rise  CNBC

Mortgage application volume was 40% higher than a year ago, largely because lower rates are strengthening the refinance market.


Mortgage rates today, July 15, 2019, plus lock recommendations  The Mortgage Reports

Average mortgage rates rose again on Friday, as we predicted. However, for the second day running, the increase was sharper than we expected. So those ...


Fed interest rate cuts to usher in new era for home buyers | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Home prices are high but there's hope for home buyers. Falling rates should make homeownership more affordable as the Fed seeks to cut rates in 2019.


Liz Weston: Shop for refinance rates with no credit score dip for multiple inquiries  OregonLive

Dear Liz: We're planning to refinance our mortgage and are concerned about generating multiple credit inquiries which would lower our excellent credit scores.


It's Your House, Only Cheaper — Why Homeowners Should Refinance Now to Save Big  PaperCity Magazine

Are you leaving money on the table when it comes to your home mortgage payments? If you are one of 5.9 million, homeowners who could lower interest rates ...


Fixed mortgage rates end up back where they started after an up-and-down week  The Washington Post

Mortgage rates were caught in a tug of war this week as economic news pushed them up and then pulled them down, leaving them back where they started.


Low mortgage interest rates stimulate homeowners to refinance  Chicago Daily Herald

The usual reasons to refinance a home mortgage loan are to reduce the monthly payment or to raise cash. The third option, which is underappreciated, is to ...


Your Mortgage: What's up with all this refi talk?  Shawnee Mission Post

By Mike Miles Mortgage rates can be both boring and attractive. Chances are strong that if you have a conversation at a party concerning mortgage rates (in ...


Mortgage rates sink to a 31-month low after Federal Reserve expresses uncertainty about the economy  The Washington Post

Mortgage rates hit their lowest levels since November 2016 on the heels of the Federal Reserve meeting last week. According to the latest data released ...


Refinance rates tick lower for Tuesday  Bankrate.com

Multiple closely watched refinance rates sunk lower today. Average rates nationwide for 30-year fixed and 15-year fixed refinances both declined. Meanwhile ...


Time to Refinance Your Mortgage?  Inside INdiana Business

Amazingly, mortgage rates are once again at historical low levels. Last year the average rate on a 30-year mortgage was 4.54 percent. Now rates have dropped ...


Mortgage rates increase for Wednesday  Bankrate.com

Several benchmark mortgage rates cruised higher today. If you're in the market for a mortgage, see how your payments might be affected.


Mortgage rates today, July 16, 2019, plus lock recommendations  The Mortgage Reports

Average mortgage rates held steady yesterday, as we predicted. That was a relief after four days of rises, the last two of which were fairly sharp. Of course, they ...


Mortgage rates today, July 12, 2019, plus lock recommendations  The Mortgage Reports

Average mortgage rates rose yesterday, as we predicted. However, the increase was sharper than we expected. It wasn't huge (equal-third biggest movement ...


Guild Mortgage Will Consider Airbnb Income on Refinance Applications  Mortgageorb

Guild Mortgage recently launched a new mortgage option in partnership with Airbnb that considers short-term rental income from Airbnb as an acceptable ...


More than 8 million borrowers can now benefit from refinancing their mortgage  HousingWire

Last week, Freddie Mac's fixed mortgage rate fell to its lowest level in three years, bumping the pool of refinance candidates up significantly. At the end of June, ...


Mid-year review: What’s happening in housing, and more important, what’s not  Bankrate.com

The first half of 2019 bore promising gifts to eager homebuyers, namely low mortgage rates and slowing home price growth. This comes, however, amid a ...


Here’s what mortgage rates might do after the July 2019 Fed meeting  The Mortgage Reports

Will mortgage rates rise or fall after the Fed meeting in July. Most experts think the Fed will cut bank rates and that mortgage rates will also be reduced. But what ...


U.S Mortgage Rates – FED Chair Powell Pins Mortgage Rates Back  Yahoo Finance

Mortgage rates held steady as FED Chair Powell offset the effects of the previous week's NFP numbers on Treasury yields…


Tech improvements help make mortgage refinancing faster | Homes & Garden  The Union Leader

A massive wave of homeowners now has an incentive to refinance their mortgages and they could find the process faster than it's been in recent memory thanks ...


Refinance mortgage rate slides for Monday  Bankrate.com

Refinance rates were mixed, but one key rate decreased. If you're shopping for a refinance, see what that means for you.


U.S Mortgage Rates – Mortgage Rates Slide Again as the FED Turns Dovish  Yahoo Finance

Mortgage rates were back on the slide following the previous week's 1st rise in 7-weeks. In the week ending 27th June, 30-year fixed rates fell by 11 basis points ...


Mortgage rates go up for Monday  Bankrate.com

Multiple benchmark mortgage rates climbed today. If you're shopping for a mortgage, see how your payments might be affected.


Real Estate Advice: When's a good time to refinance  Wicked Local

Q: What's a good rule of thumb about refinancing? With mortgage interest rates dropping again, I'm wondering if I should refinance.A: The refi rule of thumb is ...


Refinance mortgage rate moves up for Monday  Bankrate.com

Refinance rates were mixed, but one key rate cruised higher. See what that means for you if you're in the market for a mortgage.


Qualify To Refinance Using Short-Term Rental Income  Zing! Blog by Quicken Loans

Do you rent your primary or vacation home on Airbnb, HomeAway® and Vrbo™? You can now use the income to qualify for all conventional loans.


Benchmark mortgage rate falls for Tuesday  Bankrate.com

Mortgage rates were mixed today, but one key rate was down. The average for a 30-year fixed-rate mortgage ticked downwards, but the average rate on a ...


Benchmark mortgage rate moves lower for Wednesday  Bankrate.com

Mortgage rates diverged today, but one key rate fell. See what that means for you if you're in the market for a mortgage.


Mortgage rates move up for Tuesday  Bankrate.com

Multiple closely watched mortgage rates trended upward today. If you haven't locked yet, see how your future home loan payments could be affected.


Could we see 2% mortgage rates before this is all over?  The Mortgage Reports

Is it really possible that we'll see 2% mortgage rates in the next year or so? No doubt some folks laughed when we suggested earlier this year that mortgage ...


Over 8 million homeowners are leaving big money on the table by not refinancing  The Coloradoan

Refinancing can lower monthly payments, but it can also provide easy money for homeowners with high levels of home equity.


Mortgage rates trend higher for Monday  Bankrate.com

Multiple closely watched mortgage rates notched higher today. See what that means for you if you're in the market for a mortgage.


Mortgage discounts | United Federation of Teachers  United Federation of Teachers

The following discounts are paid advertising. The appearance of these ads does not imply any endorsement by or connection with the United Federation of ...


U.S Mortgage Rates – Rates Rise for the 1st Time in 7-Weeks  Yahoo Finance

30-year fixed mortgage rates rose for the 1st time in 7-weeks. The latest FOMC projections and rising geopolitical risk could reverse that with interest…


4 Student Loan Refinancing Myths Debunked  NerdWallet

Student loan refinancing isn't a scam. To help you decide whether refinancing is a good option for you, we're addressing four common misconceptions.


Wisdom of crowds? Ordinary Americans beat ‘experts’ in predicting mortgage rates  MarketWatch

Forecasts for mortgage rates from average American households have been pretty solid over the past few years, even as markets professionals missed the mark ...


Mortgage rates today, July 1, 2019, plus lock recommendations  The Mortgage Reports

Average mortgage rates reversed direction during Friday and ended up lower — though only by the smallest measurable amount. So they remain adjacent to ...


Guild Mortgage launches refi option for Airbnb hosts  HousingWire

Guild Mortgage has partnered with Airbnb to launch a refinance program for property owners who host guests through the Airbnb platform. The program allows ...


Average FICO Score For Closed Mortgages Jumped to 731 in June  Mortgageorb

The average FICO score for all closed mortgages increased to 731 in June, up from 728 in May and up from 726 in June 2018 to reach the highest level in at ...


9 Housing and Mortgage Trends for the Rest of 2019  Yahoo Finance

The first half of 2019 surprised housing markets across the country: Mortgage rates fell. That's the opposite of what the experts had predicted at the beginning of ...


Mortgage rates fall for Tuesday  Bankrate.com

Multiple key mortgage rates receded today. If you're in the market for a mortgage, see what that means for you.


Mortgage rates today, July 3, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Owing to markets being closed for the Independence Day holiday, this report will not appear tomorrow. As predicted, average mortgage rates fell a little ...


Mortgage Rates Keep Dropping – Market Update  Zing! Blog by Quicken Loans

Some data around home sales disappointed, but mortgage rates continue to fall. All that and more on the way in Market Update!


Refinancing Jumps in Government-Backed Mortgages, Bucking Market  Bloomberg

A surge in government-guaranteed mortgage refinancings is underway, bucking the decline in the broader market since early June.


Homeowner value perceptions improve as prices rise - News from southeastern Connecticut  theday.com

While the typical homeowner continued to overestimate the value of their property, their perception of how much their residence was worth improved in June.


Mortgage rates today, June 24, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates rose on Friday, as we predicted. But the increase was tiny. Leaving aside Thursday, that average is currently at its lowest since ...


Mortgage rates today, June 26, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates moved lower yesterday, as we predicted. The fall was tiny but it was enough to match last Thursday's level, which was the lowest in 20 ...


Mortgage rates predicted to fall to “the lowest they’ve ever been”  The Mortgage Reports

Mortgage rates fell to 3.84% in mid-June according to Freddie Mac, but could they go lower? A lot lower? Even the lowest they've been in 50 years? Mortgage ...


'Now Is The Time To Refinance': Low Mortgage Rates Cause Surge In Refinancing  Forbes

Last week's massive dip in mortgage rates apparently pushed homeowners into action. According to new data from the Mortgage Bankers Association, ...


Homeowners refuse to tap into massive equity. Is that a mistake?  The Mortgage Reports

Home equity is up and rates are down. But homeowners refuse to tap into equity for major financial goals like a college education or home improvements. Is that ...


Mortgage rates today, June 25, 2019, plus lock recommendations  The Mortgage Reports

Average mortgage rates held steady yesterday. A modest fall had looked more likely first thing. Still, their being unchanged was a real win for borrowers.


As mortgage rates plunge, should you refinance?  Fox Business

Nearly 6 million people can now cut their mortgage payments with refinancing.


Mortgage rates haven’t been this low since 2016 — here’s how to decide whether to refinance your home loan  MarketWatch

More people are pursuing refinances as mortgage rates have dropped.


As rates drop, mortgage refinancing surges but home purchase loans remain tepid  USA TODAY

Homeowners scramble to refinance mortgages as rates hit the lowest level in 17 months. But mortgage applications for home purchase rose just 0.5%.


The power of mortgage insurance — and which state's buyers use it most | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Mortgage insurance often gets a bad rap. But according to new data, it actually helped more than 1 million Americans either purchase a home or refinance their ...


Important mortgage rate falls for Wednesday  Bankrate.com

Mortgage rates diverged today, but one key rate trended down. If you're shopping for a home loan, see how your payments might be affected.


Mortgage rates are falling—here's how to tell if you could save money by refinancing  CNBC

As mortgage interest rates drop, homeowners could save hundreds per month by refinancing. However, it's not a smart financial decision for everyone.


Lend America exec to be sentenced in fraud case  Newsday

A Long Island man who pleaded guilty to felony charges in the collapse of a $1-billion-a-year mortgage lender is scheduled to be sentenced in federal court ...


Housing in the Low Mortgage Rate Environment  The MReport

As the rest of the economy slows, housing may be a bright spot, according to a new report from Fannie Mae.


5 Signs It's Time To Refinance Your Mortgage  Forbes

You've probably heard that refinancing your mortgage can save you money. While that's true in many cases, refinancing needs be done at the right time in order ...


Nearly 6 million people can now cut their mortgage payments with refinancing  Bankrate.com

The recent drop in rates means that 5.9 million people can potentially save money by refinancing their existing home loans and securing a lower rate -- two ...


When Mortgage Refinancing Makes Sense  Seeking Alpha

There are many misconceptions about what happens with refinancing a mortgage and the effect on interest payments. The important factors are rate, time and ...


These are the best (and worst) reasons to refinance your mortgage  Bankrate.com

Whether you've owned your home for a short time or you've had your mortgage a bit longer, a mortgage refinance involves careful consideration. After all, you'll ...


Mortgage refinancing spree becomes a race against the clock  Bankrate.com

Some 2.43 million homeowners can reduce their mortgage interest rate by refinancing, according to a recent mortgage report by Black Knight, a mortgage data ...


TRANSACTIONS  Real Estate Weekly

Marcus & Millichap Capital Corp. (MMCC) arranged a total of $4,280,000 in refinancing for 29 single-family rental properties in the southern New Jersey area.


Refinance Your Mortgage Quickly: Prequalify in Just 3 Minutes  Credible News

Let us do the heavy lifting for you. Compare rates from multiple lenders with no impact to your credit score. Refinance your mortgage with peace of mind.


If You Ever Want To Retire, Here's The Best Way To Refinance Your Mortgage  Forbes

The usual reasons to refinance are to reduce the monthly payment or to raise cash. The third option, which is under-appreciated, is to shorten the period of ...


Mortgage refinance boom goes bust as rates shift higher  CNBC

A turnaround in interest rates turned borrowers back on their heels last week, deflating a quick boom in refinance demand.


Mortgage Rates Drop Again -- Homeowners Can Save Hundreds Per Month By Refinancing  Forbes

Mortgage rates are continuing their downward spiral. According to Freddie Mac, the average rate on a 30-year fixed-rate loan has dropped to just 3.82%—down ...


What to consider before determining whether to refinance your mortgage  Washington Post

REAL ESTATE MATTERS | For a home-run refinance, try to find a deal that helps you do these four things: lower your interest rate, shorten your loan term, lower ...


Freddie Mac CHOICERenovation construction / renovation loan: 2019 guidelines  The Mortgage Reports

The CHOICERenovation (sometimes written “Choice Renovation”) mortgage from Freddie Mac gives borrowers a new option to buy and fix-up homes without ...


Refinance mortgage rates mixed for Saturday  Bankrate.com

Refinance rates were mixed today. See what that means for you if you're in the market for a mortgage.


Refinance mortgage rate moves higher for Friday  Bankrate.com

Refinance rates were mixed, but one key rate were higher. If you haven't locked a refi yet, see how your future mortgage payments could be affected.


Refinance mortgage rate moves higher for Wednesday  Bankrate.com

Refinance rates were mixed, but one key rate were higher. See what that means for you if you're in the market for a mortgage.


Refi Closings for Millennials Taking Longer  National Mortgage Professional Magazine

A combination of lower rates and more Millennial homebuyers has resulted in a refinance closing rate that took six days longer from April to May, according to ...


Mortgage loan rates decrease in the El Paso market  KTSM News Channel 9

Mortgage rates are decreasing and are projected to continue on that path. Loan officers and real estate agents in El Paso tell KTSM more people who previously ...


Laguna Woods residents complain about the lack of co-op lenders  OCRegister

Second of two parts. Linda Nearing is equity rich and cash poor. Nearing bought a Laguna Woods co-op with her late husband in 2002, with financing by ...


Mortgage rates decrease for Friday  Bankrate.com

Multiple benchmark mortgage rates decreased today. If you haven't locked yet, see how your finances could be affected.


Mortgage refinance checklist: what you need to refinance your home  The Mortgage Reports

This handy mortgage refinance checklist tells you what you need to do before refinancing. Get your paperwork in order and know your refinance goals to speed ...


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