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    Record number of jobless young women pushes unemployment numbers for under-25s to almost a million

    Record number of jobless young women pushes unemployment numbers for under-25s to almost a million

    White working-class kids are suffering ‘particularly poor’ results at school, damning report warns

    White working-class kids are suffering ‘particularly poor’ results at school, damning report warns

    Asylum seekers should be housed in town centres, claim senior Labour councillors in leaked emails

    Asylum seekers should be housed in town centres, claim senior Labour councillors in leaked emails

    Labour MP is forced to resign as trade envoy after pressure mounted on Starmer over ‘unacceptable’ Northern Cyprus trip

    Labour MP is forced to resign as trade envoy after pressure mounted on Starmer over ‘unacceptable’ Northern Cyprus trip

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      Wired says ‘AI-written’ story did not have ‘proper fact-check process’

      Wired says ‘AI-written’ story did not have ‘proper fact-check process’

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      GB News to broadcast nightly from US in ‘huge moment’ for channel

      News diary 18-24 August: Kneecap terror charge hearing, Edinburgh TV Festival, Notting Hill Carnival

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        New 125 million year-old dinosaur species discovered on the Isle of Wight with unusual feature to attract partners

        New 125 million year-old dinosaur species discovered on the Isle of Wight with unusual feature to attract partners

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        Bright ORANGE shark with white eyes spotted for the ‘first time ever’ after being reeled in by fisherman

        Terrifying plague of ‘zombie squirrels’ erupts as critters covered in oozing pus-filled sores are seen swarming gardens

        Terrifying plague of ‘zombie squirrels’ erupts as critters covered in oozing pus-filled sores are seen swarming gardens

        Future humans ‘will be hairless & lose FOUR other body parts’ thanks to modern lifestyles

        Future humans ‘will be hairless & lose FOUR other body parts’ thanks to modern lifestyles

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        Did scientists find an ancient alien HELMET on Mars? Mysterious object is discovered by Nasa

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        New clues to mysterious extinct & ancient ‘Hobbit’ humans that roamed earth 1 million years ago uncovered by scientists

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        Meet little-known 6ft4in English golfer Harry Hall, who is on brink of shock Ryder Cup qualification

        Conor McGregor breaks silence on UFC ‘REMOVAL’ to confirm major career decision as Dana White makes x-rated statement

        Conor McGregor breaks silence on UFC ‘REMOVAL’ to confirm major career decision as Dana White makes x-rated statement

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        Piers Morgan releases statement about Jake Paul and ‘staged’ career after boxer hires lawyer to fight ‘fix’ claims

        Tiger Woods’ son Charlie takes huge step towards sealing Junior Ryder Cup spot on Team USA

        Tiger Woods’ son Charlie takes huge step towards sealing Junior Ryder Cup spot on Team USA

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        Conor McGregor issues four-word statement after taking biggest step yet to UFC return

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        How to Choose the Ideal Baby Gift Set for Boys & Girls – A BabyWondersUK Guide

        How to Choose the Ideal Baby Gift Set for Boys & Girls – A BabyWondersUK Guide

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        Record number of jobless young women pushes unemployment numbers for under-25s to almost a million

        Record number of jobless young women pushes unemployment numbers for under-25s to almost a million

        White working-class kids are suffering ‘particularly poor’ results at school, damning report warns

        White working-class kids are suffering ‘particularly poor’ results at school, damning report warns

        Asylum seekers should be housed in town centres, claim senior Labour councillors in leaked emails

        Asylum seekers should be housed in town centres, claim senior Labour councillors in leaked emails

        Labour MP is forced to resign as trade envoy after pressure mounted on Starmer over ‘unacceptable’ Northern Cyprus trip

        Labour MP is forced to resign as trade envoy after pressure mounted on Starmer over ‘unacceptable’ Northern Cyprus trip

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          Wired says ‘AI-written’ story did not have ‘proper fact-check process’

          Wired says ‘AI-written’ story did not have ‘proper fact-check process’

          Wired and Business Insider remove ‘AI-written’ freelance articles

          GB News to broadcast nightly from US in ‘huge moment’ for channel

          GB News to broadcast nightly from US in ‘huge moment’ for channel

          News diary 18-24 August: Kneecap terror charge hearing, Edinburgh TV Festival, Notting Hill Carnival

          Trending Tags

          • Tech
            New 125 million year-old dinosaur species discovered on the Isle of Wight with unusual feature to attract partners

            New 125 million year-old dinosaur species discovered on the Isle of Wight with unusual feature to attract partners

            Bright ORANGE shark with white eyes spotted for the ‘first time ever’ after being reeled in by fisherman

            Bright ORANGE shark with white eyes spotted for the ‘first time ever’ after being reeled in by fisherman

            Terrifying plague of ‘zombie squirrels’ erupts as critters covered in oozing pus-filled sores are seen swarming gardens

            Terrifying plague of ‘zombie squirrels’ erupts as critters covered in oozing pus-filled sores are seen swarming gardens

            Future humans ‘will be hairless & lose FOUR other body parts’ thanks to modern lifestyles

            Future humans ‘will be hairless & lose FOUR other body parts’ thanks to modern lifestyles

            Did scientists find an ancient alien HELMET on Mars? Mysterious object is discovered by Nasa

            Did scientists find an ancient alien HELMET on Mars? Mysterious object is discovered by Nasa

            New clues to mysterious extinct & ancient ‘Hobbit’ humans that roamed earth 1 million years ago uncovered by scientists

            New clues to mysterious extinct & ancient ‘Hobbit’ humans that roamed earth 1 million years ago uncovered by scientists

          • Health
          • Science

            We’ve probably already been discovered by aliens, but they have some pretty good reasons to hide.

            Almost everyone is said to benefit from a scientifically supported method for improving sleep.

            2,500-year-old rock engravings were found near Mosul, Iraq.

            Is the soul of a person eternal? the findings of scientists

            With its most recent move, is General Electric abandoning wind power?

          • Crypto
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            Meet little-known 6ft4in English golfer Harry Hall, who is on brink of shock Ryder Cup qualification

            Meet little-known 6ft4in English golfer Harry Hall, who is on brink of shock Ryder Cup qualification

            Conor McGregor breaks silence on UFC ‘REMOVAL’ to confirm major career decision as Dana White makes x-rated statement

            Conor McGregor breaks silence on UFC ‘REMOVAL’ to confirm major career decision as Dana White makes x-rated statement

            Piers Morgan releases statement about Jake Paul and ‘staged’ career after boxer hires lawyer to fight ‘fix’ claims

            Piers Morgan releases statement about Jake Paul and ‘staged’ career after boxer hires lawyer to fight ‘fix’ claims

            Tiger Woods’ son Charlie takes huge step towards sealing Junior Ryder Cup spot on Team USA

            Tiger Woods’ son Charlie takes huge step towards sealing Junior Ryder Cup spot on Team USA

            Conor McGregor issues four-word statement after taking biggest step yet to UFC return

            Conor McGregor issues four-word statement after taking biggest step yet to UFC return

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            How to Choose the Ideal Baby Gift Set for Boys & Girls – A BabyWondersUK Guide

            How to Choose the Ideal Baby Gift Set for Boys & Girls – A BabyWondersUK Guide

            A Site for Situated Practices: Mezzanine

            Exhibition: Substance & Recoding: The Narrative of Contemporary Objects in the Semantic Turn

            Discover Amsterdam’s beauty from the water

            An adventure on the canals of Amsterdam

            An adventure on the canals of Amsterdam

            Eromosele Gideon Eigbiremolen Unveils Sustainable Vision for SS24 with Burvain's Latest Collection.

            Eromosele Gideon Eigbiremolen Unveils Sustainable Vision for SS24 with Burvain’s Latest Collection.

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            After Builders Cleaning Services in UK with Cliffycox: Reviving Spaces, Redefining Cleanliness

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          Five Things To Know About Secured Loans – Dragon Finance

          by Anderson
          March 29, 2022
          in Press Release
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          In this blog post, we’ll look at what a secured loan is, why you might want one, what the benefits and risks are, and finally, how you can get one.

          1. What is a secured loan?

          Before we start, let’s clear something up: Secured loans, homeowner loans, second charge loans, and second charge mortgages…are all the same thing. They’re just different names to describe the same products.

          Now we’ve got that out of the way, let’s continue…

          A secured loan is a loan that is secured against an asset – in this case, your home.

          Securing the loan against your property provides the lender with some reassurance that they’ll get their money back in the event that something goes wrong.

          You can only have a secured loan if you own a property – which is why they’re called homeowner loans. Secured loans are often taken out alongside an existing mortgage – which is why they’re called second charge loans or second charge mortgages.

          Secured loans work like any other loan – you borrow an agreed amount of money, over an agreed amount of time, and make monthly repayments to the lender until the loan is paid in full.

          2. Why would you want a secured loan?

          Some of the reasons to take out a secured loan include:

          • To pay for home improvements, such as fitting a new kitchen, building an extension, converting the attic into an extra bedroom, or completing top-to-bottom home renovations.
          • For debt consolidation – to pay off credit cards, personal loans, store cards or mail order accounts, reducing your outgoings and saving money.
          • To pay for a special event – like a wedding or once-in-a-lifetime holiday.
          • To gift money to loved ones – such as giving a house deposit to your children.
          • To pay off tax bills, arrears, or charges, or to settle County Court Judgements.

          3. What are the benefits of a secured loan?

          Larger loans:

          You can typically borrow more money with a secured loan – that’s because the lender can afford to take a bit more risk, knowing that the loan has been secured against your home. Secured loans start at £5,000 and you could borrow up to £500,000 depending on your circumstances and the available equity in your home.

          Low rates:

          Rates for secured loans start at as little as 2.9% – that’s cheaper than most personal loans, and much cheaper than the average credit card, which generally start at around 18% and can go as high as 39%. Low secured loan rates mean that you save money.

          A term that suits your budget:

          The term of a secured loan – that’s the number of years you have to pay it back – can be arranged for anything from 2 to 30 years, depending on your circumstances, preferences and life goals.

          Generally speaking, the longer the term, the cheaper your monthly payment will be – so with a secured loan you can adjust the term to meet your budget and spread the payments more comfortably.

          Most personal loans last for a maximum of 5 years – which means that your monthly payments are higher, because you’re paying back the loan over a shorter period of time.

          A definite end date:

          Because you agree the term of the loan at the start, you know for certain when the loan will come to an end (providing you keep up with your agreed payments).

          Many secured loans allow you to make regular overpayments or lump sum payments without penalty, which means you can pay it off even quicker if you want.

          No need to re-mortgage to get extra funds:

          You might have a great deal with your current mortgage provider and not want to swap, or you might not want to re-mortgage because of expensive exit charges.

          A secured loan can run alongside your existing mortgage, meaning that you can leave it in place while still receiving the funds you need.

          4. What are the risks of a secured loan?

          The loan is secured against your property, so your home could be at risk if you fail to keep up with the repayments.

          Although having a longer loan term will mean that your monthly payments are lower, it can also mean that you pay back more interest overall.

          You should always get advice from a qualified professional before taking out a secured loan, to make sure it’s the right thing for you. Contact a finance broker like Dragon Finance. They will take the time to understand each client and their individual circumstances.

          5. How can you get a secured loan?

          Dragon Finance will carry out a soft credit search – which won’t show on your credit file. Once you’ve been approved, one of their expert advisers will be in touch to discuss your needs and make sure you get the right advice – and the money you need.

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