Homeowners have a good means of raising funds by a remortgage or a secured loan. A remortgage is really only a mortgage taken out by a homeowner changing from their own mortgage lender to another. Sometimes the borrower moves from one provider to a new one just to obtain a better interest rate without borrowing any more money, and depending on the amount of remortgage, the interest rate of the original mortgage, etc., there is much to be saved.

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At one time, I worked in a national bank. We were located in the so-called commercial hub of the city, on a very important and well-known road. Many corporate companies had their offices on this road, and due to our close proximity and good customer service, most of their employees banked with us. Particularly on paydays, many of the officials from these companies would come in and draw their paychecks.

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