Unsecured loan A loan that is not secured in your property or any other type of asset. The other great information is that addition or extension to your own home is usually thought of to be permitted growth, so that you probably won’t must get planning permission. It is, however, necessary to check that the extension you would possibly be planning meets the conditions earlier than you begin work and remember that most extensions require approval beneath the Building Regulations. If you’re taking on a long-term or multi-phase home renovation, a HELOC might be a good choice. That’s as a result of you’ve extra flexibility to tap into your line of credit score when you have to, and also you don’t should pay curiosity on the money you don’t need. Just remember, as a secured mortgage, HELOCs are backed by your house — so any missed payments can put your house susceptible to foreclosure.
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