Guide to Homeowner Loans

Written by John Mussi


Continued from page 1

Interest rates for homeowner loans will depend on how much you want to borrow,repparttar repayment period and your financial circumstances, such as your credit record including any mortgage arrears and CCJs, proof of income and employment status.

Homeowner loans can be used for any purpose. You can userepparttar 138690 money to consolidate existing debts, pay off overdrafts and credit cards or buy yourself a new car, go on holiday or make home improvements.

One ofrepparttar 138691 benefits of a Homeowner loan is thatrepparttar 138692 interest rate will be lower than on a comparable Personal loan. Quite often this type of loan will be more flexible in terms of repayment period and asrepparttar 138693 amount you can borrow is primarily based onrepparttar 138694 'available equity' of your home, this tends to be more flexible also.

A Homeowner Loan is a loan secured on your home - this providesrepparttar 138695 lender with some form of security, regardless of whether it is mortgaged or owned outright.

You can borrow more with loans secured on property, normally up to £75,000 andrepparttar 138696 interest rates are normally lower than with an unsecured loan because ofrepparttar 138697 lower risk torepparttar 138698 lender.

With homeowner loans you can also pay over a longer period of time, anything between five years and twenty-five years.

You may freely reprint this article providedrepparttar 138699 author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the www.directonlineloans.co.uk website.


Win with Lottery 'Number Gaps'

Written by S Potter


Continued from page 1

So how do you use this information? Simple. Pickrepparttar area you thinkrepparttar 138673 'cluster' will occur this week. If it was heavily low numbered last week, for example, you may want to try high numbers this week. Choose your first number using your usual method, and make it fairly low. You then pick a second number that is only a few digits away, as this is statistically whererepparttar 138674 likely grouping will be. Repeat forrepparttar 138675 other numbers. What you end up with, is a cluster of numbers, of course. What you now have to do is 'spread em out a bit' so you have a couple of 'outliers'. If you think this weeks draw will be clustered atrepparttar 138676 high end ofrepparttar 138677 numbers, and your picks reflect that, drop one or two of them and replace with numbers fromrepparttar 138678 other end ofrepparttar 138679 spectrum.

As detailed above, you can expect 3 or 4 numbers per draw to have a gap size of 1-5. If you have clustered inrepparttar 138680 right area, and have positioned your outliers correctly, you can significantly increaserepparttar 138681 chances of a 4 ball or higher strike.

S Potter plays the UK lottery weekly, and writes articles for www.winthatlotto.com the free site aimed at helping you win that lotto!


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