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A debt consolidation homeowner loan is a secured loan, finance or a sum of money (usually large) that can be possibly secured against your house or another asset, i.e car. Because it is a secured loan it is also easier to attain with higher sums of money available, at lower rates with a higher approval rate, because it is safer for the bank to lend you the money i.e. secured.

Secured homeowner loans are generally preferred by the people seeking finance, as opposed to an unsecured lend, due to lower interest rates, so they are a lower cost to the borrower.

Debt consolidation home owner loan- how to get one?

There are many ways of getting a home owner loan for means of debt consolidation.

There are government organisations that you can speak to in every country to help in all matters of finance, another thing worth trying is checking to see if you are absolutely 100% liable for the debt, as at times it is possible that it is not completely your responsibility to pay the money back.

One way is to just try Google, and look for the search terms "Debt consolidation" or secured finance etc or you could try some of the branded firms like firstplus, or direct line etc, other than that there will be ads in your local newspaper or yellow pages, even the national tabloids, and TV adverts.

If it was a large sum of money you want, then you could also look into remortgaging to release some capital from your existing assets, to improve credit scores, try taking out a small loan and paying it off promptly to enhance credit scores.

To apply for a homeowner (secured/same thing) loan apply here