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Secured loans may be better suited for those with lower credit scores who own valuable collateral they may be comfortable parting with.
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There is also the home reversion plan option, but these are now rare, as they do offer very poor value for money.
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If you want to go ahead with equity release interest rates calculator Release, we suggest you seek independent financial advice to help you understand your options fully.
Then they must estimate the value of the property (this does not have to be completely accurate), and the balance remaining on the 1st mortgage.
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