KIS Bridging Loans
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Please Note: We recommend that you keep the calculator set to 'Auto'.

By setting to 'Manual' you will be required to enter the annual interest rate, broker fees and lender fee.

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Secured Loan Calculator
Please select Auto or Manual.

Auto - Automatically sets the annual interest rate, broker fees and lender fee.

Manual - Allows manual input of the annual interest rate, broker fees and lender fee. This is useful if you want to compare options.

Personal Details
Age - For single applications please tell us your age, in years. If this is a joint application then please just enter the age, in years, of the oldest applicant.
Credit History
Please select Good, Average or Poor to indicate your credit history.
Good – If you have no County Court Judgements or defaults in the last 6 years, and no mortgage arrears for the past 2 years. Other credit items paid mostly on time, nothing more than the occasional late payments.
Average – No current mortgage arrears or County Court Judgements, but may have had in the past, even the odd late mortgage payment within the past year but not within the l;ast 3 months. May also have some late or missed credit payments.
Poor – Current arrears, missed credit payments, defaults, County Court Judgements and mortgage arrears.
Loan Requirements
Amount Required - Please enter the net loan amount required. In ‘Auto’ setting, loan set up costs will automatically be added to this figure in the results.
Term Required - Please enter the loan term that you require. Options available ranging from 3 to 25 years. In ‘Auto’ setting, the maximum term maybe reduced depending on the age of the oldest applicant.
Property Used as Security
Property Value - Loans are secured against your home. Please enter the approximate current market value of your home.
Mortgage Balance - Please enter your current mortgage balance (approximate figure is fine). If you do not have a mortgage then please enter '0'.

Calculator Instructions

Choose ‘Auto’ or ‘Manual’ – The ‘Auto’ setting will enable the ‘interest rate’, ‘lender fee’ and ‘broker fee’ to all set automatically. The settings are based on the information entered for ‘loan amount’, ‘loan term’, ‘property value’, ‘mortgage balance’, ‘credit history’ and ‘defaults in the last 12 months’.

If ‘Manual’ is selected then you will need to enter the ‘interest rate’ (annual), ‘broker fee’ and ‘lender fee’.

 

Personal Details section

  • Enter ‘Age of Oldest Applicant’ – Please enter your age in years. If this is for a joint application, then please just enter the age of the oldest applicant.
  • Credit History – Please select if you have a ‘good’, ‘average’ or ‘poor’ credit history. Your credit history will determine the loan plans available.

 

Loan Requirements

  • Amount Required – Loans are available from £5,000 to £2.5 million. Please select how much you are looking to raise.
  • Term Required – Loan terms are available from 3 to 25 years. However, the loan will need to be finished by the time that you, or if a joint application, the oldest applicant, reach 80 years old.

 

Property Used as Security

  • Property Value - Please enter the current market value of your home. If you are unsure of the value of your home, then please call us and we will be delighted to help you with this.
  • Mortgage Balance – Please enter your current mortgage balance.

 

Finally press or click on the ‘calculate button’.

Our Secured Loan Calculator will then instantly provide a detailed loan quote.

Calculated Results
£0, over Years at 9%
Total Costs
Loan Amount Loan Amount - This is the net loan amount required that you entered. £ 0
Loan Term Loan Term - This is the loan term in years that you selected. Years
Interest Rate Interest Rate - This is the annual rate of interest being charged on the loan facility. 9 %
Loan To Value (LTV) Loan To Value (LTV) - Illustrates the amount of equity being used in your home. This is calculated by adding your first charge mortgage and this second charge loan together, then illustrating it as a percentage of the property value. NAN %
Broker Fees (5%) Broker Fees - The broker fee is added to the net loan amount required along with the lender fee below and is then illustrated as the Gross Loan Amount. In ‘Auto’ setting we charge a broker fee of 5% of the ‘Loan Amount Required’ which is capped at £1,950. £ 0
Lender Fee Lender Fee - The lender charges a fee which is added to the loan along with the broker fee. Loan Amount + Broker Fee + Lender Fee = Gross Loan Amount. £ 595
Gross Loan Amount Gross Loan Amount - This is the net loan amount required plus the broker fee and lender fee. This is total loan facility and is the amount that the interest rate is applied to in order to calculate the interest charges. £ 595
Total to Repay (if full term) Total to Repay - This is the total amount you will pay back if the loan runs its full term and all monthly repayments are made on time. Clearing the loan early will reduce this amount. £ nan
Interest Only Interest Only - This is the interest only repayment figure. £ 0
APRC APRC - Stands for Annual Percentage Rate of Charge – It is different to the annual interest rate quoted above because it includes all other costs associated with the loan, for example the broker fee and lender fee. It is an illustration of the real cost of the loan. nan %
Monthly Repayment Monthly Repayment - This is the monthly repayment amount required based on the loan amount you require, fees and the loan term. In ‘Auto’ setting this also takes into consideration the credit history and defaults selection, along with the Loan to Value. £ inf
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The minimum you can borrow is £5,000

Please update the amount you wish to borrow.

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Secured Loan Calculator updated on 16th Oct 2023 to reflect the very latest interest rate changes.
Due to the recent changes, the latest interest rates now start from 6.5% per annum (variable). This interest rate is available up to a maximum 75% Loan to Value. The lender fee on this plan is £595, and the broker fee is 5% (maximum fees £1,950) which is currently the lowest in the marketplace.

Secured Loan Calculator

Our secured loan calculator provides instant results without asking for any of your personal contact information, like your name, email address or phone number.

By entering the loan amount and term that you require, along with 4 simple bits of information, the calculator will provide an illustration detailing a possible loan option. This will include monthly repayments, interest rate and set up costs. It will illustrate the loan amount you selected plus any fees and costs that are added to the loan.

You can use the calculator as much as you like to help determine a suitable loan amount and repayment term.

If from the information provided a loan option is not possible, the calculator will help you determine what the problem may be. You can then experiment with different loan amounts to see what other options could be available.

We have also provided a detailed section below ‘Will I get Approved for a Secured Loan’ which explains the different lenders’ overall lending criteria and options available to us. From this you can see if you meet the lending criteria required for a loan approval. Many loan options do not involve credit scoring, so provided your application fits the criteria, then you should be approved. 

We have access to all the secured lenders. This means that we:

  • Are able to find our you the best possible deal
  • Have the best chance of getting your loan approved, as the underwriting criteria does vary significantly between lenders.

So even if you have been declined by for a secured loan, there may still be options available to you.

Secured Loan Set Up Costs

There are no upfront costs involved with setting up a secured through ourselves – all fees can be added to the loan facility and paid back within your monthly repayments.

Also, these fees are only payable once the loan has been paid out (the funds have been released to you) – there is no financial commitment required at any stage of the application process.

The set-up costs involved with taking out a secured loan are:

Lender Product Fee – also known as ‘Acceptance Fee’ or ‘Administration Fee’

This is detailed in the ‘mortgage illustration’ from the lender, and can could also be referred to as an ‘Acceptance Fee’ or ‘Administration Fee’. This is charged by the lender to cover the costs of setting up and organising your secured loan.

This fee will be likely range between £495 and £1,995 depending on the lender and also the type of product chosen.

Broker Fee

This is a fee charged by the broker for arranging the loan facility.

At KIS Finance, we always ensure that our clients get the best possible all round deal. Consequently we charge the lowest broker fee currently on the market.

Our Broker Fee is the most competitive in the UK! - 5% of the net loan amount, capped at £1,950.

The broker fee is added to the loan facility and will be detailed in your loan agreement.

Valuation Fee

In almost all cases, we will have an option to proceed without the need of a physical valuation.

For these cases, lenders use an automated online valuation to determine the value of your property. This is often referred to as an AVM or desktop valuation. For these types of valuations, the lenders absorb all the costs.

In a very small number of cases, for example if you’ve done a lot of work to the property, a drive-by or full ‘physical’ valuation may be required. This will be carried out by a professional surveyor, commissioned by the lender.

If a full valuation is required, then the cost of this will usually be paid by ourselves. 

Please note: these are the only costs that will be involved when you take out a secured loan through KIS Finance.

Be aware that other costs may be involved if taking out a secured loan through another broker or if dealing with a lender direct.

Secured Loan Fixed and Variable Interest Rates

Like a mortgage, most secured loans will have a fixed-rate introductory period of between two and five years, after which you will be charged the lender’s standard variable rate.

Fixed Interest Rate

The interest rate will stay fixed for the duration of the introductory period, meaning your monthly repayments will remain the same.

After this period has ended, the interest rate will revert to the lender’s variable rate which means your repayments could go up or down.

Variable Interest Rate

Lenders’ standard variable rates often fall in line with the base rate set by the Bank of England. This means that the interest rate charged on your loan could fluctuate throughout the term without any warning. These rate changes could be up or down, so it is important that you consider this when you are assessing affordability.

Other Costs to Consider

Early Repayment Charge

If you want to clear the loan facility during the fixed or introductory rate period, you may be charged a penalty fee as the lender will be losing out on future interest payments.

The charge will be dependent on the lender and also what type of product you have and how long you’re fixed in for.

Typically, lenders will charge a small percentage of the outstanding balance at the time of redemption, or they will charge a certain number of months’ interest.

Our Secured Loan Specialists

James O’Reilly
James O’Reilly
Head of Second Charge Lending
Phoebe Griffits
Phoebe Griffits
Secured Loans Adviser
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What is a secured loan?

Secured loans are also commonly known as second charge mortgages or homeowner loans because they are secured against your home like your mortgage. When compared to other finance options they allow you to borrow large amounts of money over longer repayment terms, and often be used as an alternative to re-mortgaging.

A secured loan is ‘secured’ against the value in your home, making use of the available equity to provide a reduced risk to the lender, who in turn are then able to offer lower interest rates and more flexible lending criteria:

  • Loan amounts from £5,000 to £2.5 million (more by referral)
  • Loan terms from 3 to 35 years
  • Access to all lenders the lowest market interest rates
  • High LTV - Up to 100% Loan to Value - 125% in some cases
  • Fixed, discounted, and interest-only options available
  • Fast service and turnaround
  • Expert, friendly independent brokers
  • Employed and self-employed applicants accepted
  • First, second and third charge loans available
  • Shared ownership properties and help to buy scheme accepted
  • Adverse credit plans available

How Do Secured Loans Work?

A secured loan can be used for almost any reasonable and legal purpose.

Common uses include:

  • Home improvements – from light refurbishments to extensions
  • Raising a deposit to purchase a second property
  • Consolidating existing debts
  • Capital injection into your business
  • Paying school tuition fees
  • Buying a new car
  • Paying a tax bill
  • Extending the lease on a property
  • Paying for a wedding
  • Exit for an existing bridging loan

What Can Be Used as Security?

The following property types can be used as security:

  • Houses
  • Flats
  • Bungalows
  • Cottages
  • Converted properties
  • Self-builds

Please note: We are unable to use commercial or semi-commercial property as security.

What is the Eligibility Criteria for a Secured Loan?

To qualify for a loan you must meet the following lending criteria:

  • You are a homeowner
    Your home will be used as security.
  • You are a UK resident
    Or have indefinite leave to remain.
  • You have regular income
    Minimum period in employment of 1 month.
    Minimum period self-employed of 12 months.

Other factors that will affect the lending decision:

  • Your age
    You must be a minimum of 18 years of age to apply for a secured loan and it must be paid off in full by the time you are 80 years of age.
  • The available equity in your property
    There must be enough available equity in your property to qualify for a secured loan. This is the percentage of the property owned outright by you.
  • Your credit history
    We are able to consider applicants with adverse credit.
  • Your existing credit commitments and regular outgoings
    The lender will need to assess whether you can afford the repayments on top of your current mortgage and other outgoings.

Will I get approved for a secured loan?

If you have used our secured loan calculator above and have been provided with loan terms, then congratulations you are past the first stage.

For the calculator to have provided loan terms, then the answers to the following questions should all be yes:

  • You are a homeowner with a mortgage (we also have facilities for applicants who own their home without a mortgage)
  • You are over 18 years old and will be no older than 85 at the end of the loan term that you have selected
  • If you jointly own your home with your partner, then they are happy to be a joint applicant with you
  • There is sufficient equity in your home for the loan that you require. This means that the amount of your mortgage balance, plus the loan amount you require, should not be more than the market value of your property. This means that the maximum loan available to you is the estimated market value of your home less the balance outstanding on your mortgage.

    Example:

    Value of property = £400,000
    Mortgage balance = £250,000

    Maximum second charge loan available = £150,000 - for applicants with a good credit history

    This may be limited to £100,000 for applicants with an average to poor credit history

  • If your credit history is good, then this will open up the options with the best interest rates and also the maximum loan amounts.

Affordability

Your Income

  • If this is a joint application, then the income from both applicants can be used.
  • Income can be from either paid employment, self-employment or other forms or regular income, such as pension income or benefits.

Forms of Income

  1. Employed income – you will need to be in a job that is permanent, and have been there for at least 3 months
  2. Self-employed income – you will need to have been trading for at least 1 year
  3. Regular income – you can use regular pension income, benefits income or another form of regular payment.

Working out your admissible income

We need to work out how much admissible income you have each month. To do this you will need to work out your total net income (after tax and other deductions). You then need to deduct from this your monthly mortgage payment and any other finance payments that you will still have in place after receiving your loan, such as credit card payments, car finance or other loans.  You don’t need to include any finance payments that you are clearing with the loan.

You then need to deduct the monthly repayment that you will be paying on your new loan.

Once you have done this, you will need to have enough money left to cover shopping, pay your bills and entertainment, etc.

  1. For a single applicant: the lender will want to see at least £800 per month left to cover these costs.
  2. For a joint application: the lender will want to see at least £1000 per month left to cover these costs.

Example:

Net pay applicant 1 = £2,500
Net pay applicant 2 = £1,750

Total income = £4,250

Monthly mortgage payment = £1,200
Car finance = £378
Personal loan = £225
New Loan Facility = £600

Total = £2,403

£4,250 – £2,403 = £1,847 remaining after you have the new loan

If you don’t meet these requirements then there may be a problem with affordability.

To help your application fit with the lender’s requirements you could consider extending the term of the loan or possibly look at consolidating some of your outstanding items of finance.

You can call us to discuss this further with one of our expert advisors.

How to get a secured loan with bad credit

Even if you’ve been refused a personal loan due to adverse credit, you may still be able to take out a secured loan.

Lenders are more flexible towards applicants who have experienced financial difficulties in the past as you are providing an asset as security.

A new loan facility may also help to improve your credit profile if you are using the loan to clear up existing credit commitments.

  • CCJs and Defaults – No maximum limit
  • Mortgage or secured loan arrears – No maximum limit
  • Active Payday Loans accepted
  • Active IVAs/Debt Management Plans accepted
  • Discharged bankruptcies

Advantages of a Secured Loan

Higher Borrowing

As you are providing security, you can normally borrow a much higher amount than you would be able to with an unsecured or personal loan.

The amount you can borrow will be dependent on the amount of equity in your property and also your income.

Length of Term

With the ability to borrow for up to 35 years, the cost is spread over a long period of time, making the monthly loan repayments more manageable and affordable.

Interest Rates

Interest rates will usually be much lower than those on an unsecured or personal loan as security is provided and re-payment is guaranteed. 

Cheaper Alternative to Re-mortgaging

Taking out a second charge mortgage may be a cheaper way of releasing funds from your property than re-mortgaging. This is because you may be tied into your mortgage product and have expensive exit fees – a second charge mortgage allows you to keep this in place but release further money.

Poor Credit History

If you have adverse credit, you may still qualify for a loan as you are providing an asset as security.

Any Purpose

You can use your loan for any reasonable and legal purpose.

Disadvantages of a Secured Loan

If you sell or re-mortgage your home then you will most likely have to repay the loan facility from the proceeds.

If you default on the loan facility, the lender may apply to the courts to repossess your home.

Reasons to Use a Second Charge Mortgage Instead of Re-Mortgaging

Second charge mortgages can provide a more suitable and flexible alternative to re-mortgaging.

Here are some of the reasons why:

Less Expensive

The rates and various fees associated with re-mortgaging can be highly expensive compared to the cost of setting up a second charge mortgage.

You Don’t Want to Change your Existing Mortgage Rates

If you are already on a very good deal with your current mortgage lender, you may not want to change this. A second charge mortgage will allow you to keep your current mortgage but still release further funds from your property.

Shorter Terms

Terms start from just three years.

No Early Redemption Penalties

A lot of mortgage lenders will charge a penalty fee if you want to want to re-mortgage and exit the term early. By taking out a secured loan instead, your current mortgage will remain in place so you will avoid these additional costs.

Frequently Asked Questions regarding secured loans

What does loan-to-value (LTV) mean?

The loan-to-value is the maximum amount that a lender will consider lending, as a percentage of the value of the property you are securing the loan on.

If you require a loan of £60,000 secured on a property valued at £100,000 (assuming there is no other finance secured on the property), then the loan as a percentage of the property’s value would be 60% - this is the loan-to-value ratio.

Example One: If you want to buy a property with a value of £300,000 and the mortgage lender offers a maximum loan of a 85% LTV, then the maximum you could borrow against the property would be £255,000. This means you would need a deposit of £45,000.

Example Two: If you own a property valued at £500,000 and have £200,000 left to pay on the mortgage, then you have equity of £300,000.

Then you want a secured loan and want to know the maximum amount you can borrow.

If the lender is operating at a maximum of 75% LTV, then the total amount allowed to be secured against the property would be £375,000. The mortgage is already taking up £200,000 of this, so the maximum second charge secured loan you could get would be £175,000.

What is equity?

Equity is the percentage of your property that is free of a mortgage or any other loans – in other words, the percentage owned by you.

For example: If you own a property worth £300,000 and you have an outstanding mortgage balance of £150,000 and a secured loan of £20,000, your equity is £130,000.

Calculation: £300,000 – (£150,000 + £20,000) = £130,000

What is the difference between a secured and an unsecured loan?

  • Secured loans are attached to an asset – usually a property. As the lender has something to repossess if you default on the repayments, these loans are considered low risk.
  • Unsecured loans, like a credit cards or personal loans, are not attached to an asset so the lender has nothing to claim in the event of default. Because of this, they are considered high risk and you will generally need a very good credit history and score to obtain an unsecured loan.

To reflect the safer lending, secured loans will generally offer higher loan amounts and lower interest rates than unsecured loans.

How long does a secured loan take to arrange?

Our aim is to have the whole process from application to completion done within 1 week. For some cases it can all be done in as little as 48 hours, and the very occasional application can take up to 2 weeks. Most importantly however, we will process your application at whatever pace you prefer.

How likely am I to be accepted for a secured loan?

The chances of being accepted are often higher than for a personal or unsecured loan. As long as you have sufficient equity in a property, a regular income and no major problems with your credit history, you are likely to be accepted. This is because a loan secured against property is a much safer option for lenders as repayment is guaranteed given the security provided.

What can I use a secured loan for?

They can be used for any reasonable and legal purpose. Here are some of the more common purposes, although your options are not limited to these:

  • Home improvements
  • Raising a deposit to purchase another property
  • Consolidation
  • Pay for a wedding
  • New car
  • Capital injection for a business/Paying a tax bill
  • Extending the lease on a property

Can you use a secured loan to pay off other debts?

Paying off higher rate loans and other debts, also known as ‘consolidating debt’, is one of the most common uses for this type of loan.

They can be used to pay off credit cards, overdrafts, personal loans, vehicle finance, catalogues, retail credit facility and other credit facilities.

This can make managing your finances a lot easier as you’ll be swapping multiple monthly repayments to just one payment and one interest rate.

Can I get a secured loan if I have a bad credit history?

KIS Finance have access to the whole of the market, meaning we can arrange loans with any lender. Some lenders will accept applications from borrowers with bad credit, so it is worth discussing your situation with one of our advisors to see what options there are for you.

What documents do I need for a secured loan?

You will need proof of identity and proof of residency, such as a passport and a utility bill. Proof of income is also required, depending on the nature of your employment this could be payslips, bank statements, accounts etc.

How much can I borrow?

It is possible to borrow up to 100% of the value of your property, although not all loan plans have such a high loan to value (LTV) ratio. Any existing debt secured on the property, such as the mortgage, needs to be included.

An example:

You have a property worth £100,000 and a mortgage balance of £60,000. If you can borrow up to 90% LTV, that means you can borrow up to £30,000.

The amount you can borrow may also be limited by how much you can afford to pay each month, or specific lender criteria.

How long can you get a secured loan for?

They can be taken out for terms of anywhere between three and 30 years. The longer the term, the lower the monthly repayments will be but the more interest you’ll pay over the term of the loan. If the term is shorter then the monthly repayments will be higher, but you will pay less overall as you’ll pay less in interest.

Can I repay my secured loan early?

Yes, you can pay off your loan before the end of the term, but you may be a charged an early redemption penalty if you’re within the fixed or discounted rate period.

Can you get a secured loan if you’re self-employed?

Yes, loans are available to clients who are self-employed. However, income will need to be proven and you will need to provide evidence of your income. This is typically through trading accounts and tax returns.

What is a reflection period?

For financial products such as mortgages and second charge mortgages, you will be given a 7 day reflection period after your formal loan offer. This will give you the time to properly consider the offer and decide whether you want to proceed with the full application. You don’t have to take the full 7 days, but be sure to take this time if you need it.

What happens if I miss repayments on a secured loan?

The consequences of missing repayments on a second charge loan can vary, but ultimately, the lender has a legal right to take possession of your home to take back what they are owed. As soon as you realise that you may have even the slightest difficultly in making your repayments, you should contact the lender to see what options there are.

Defaulting on any finance repayments will also have a negative effect on your credit score and may make it more difficult to obtain credit in the future.

What happens to a secured loan after repossession?

If you do not make the monthly payments, the lender can go to court to get possession of the property.  If possession is granted, you will have to leave so that the property can be sold. The proceeds of the sale are used to repay any debt that is secured on the property in order of the charges - so the mortgage provider would be first in line to receive their money, then the second charge loan provider.

What is a second charge mortgage?

A second charge mortgage is the same thing as a second charge loan, a secured loan and a homeowner loan. There are lots of terms for the same thing.

It is a loan which is secured on property, the first charge being the mortgage. If you do not pay any loans that are secured on property, the lender can eventually repossess the property and sell it to get their money back. The order of the charges on the repossessed property determines the order in which the lenders receive their money back, for example the second charge lender would only receive their money if there was enough to repay all the debt owing to the first charge lender.

What can change the equity I have in my property?

Certain factors can either increase or decrease the amount of equity you have in a property.

Factors that increase equity: Paying off debts secured against the property, an increase in the market value of the property (through general market increases or by making improvements to the property).

Factors that decrease equity: Securing a new loan against the property or a fall in the market value of the property.

Will a secured loan affect my mortgage?

Ultimately it won’t affect your current mortgage, however, the second charge lender will often need permission from the mortgage lender before they can place a charge on the property.

Can I transfer a secured loan to another property?

This will be down to the lender’s discretion at the time. It will depend on the value of the property and your ability to meet the lending criteria.

Will applying for a secured loan affect my credit score?

Just enquiring about your options will not affect your credit score. If you want to proceed with a quote you are given, the lender would need to do a full credit search sometime before completion, which would leave a trace on your credit file.

Taking out a new finance agreement can positively or negatively affect your credit score, depending on how you keep up with the repayments.

Can I use a shared-ownership property as security?

Yes, as long as there is enough equity in your share of the property.

What is the minimum age to get a secured loan?

You must be at least 18 years of age and a homeowner.

Is there a maximum age I can get a secured loan?

You can take out a loan at any age as long as it can be fully repaid by your 80th birthday.

Is a secured loan long-term or short-term?

The term can be anywhere from 3 to 35 years.

Are secured loans safe?

As the loan is secured against your property, there is some risk involved. Even though it is a last resort, your home could be repossessed if you don’t keep up the repayments. So, as long as you make all the repayments on time, there should be no problem.

What is a homeowner loan?

A homeowner loan is a secured loan, as you need to own a property to qualify.

Why use us?

  • Access to all lenders and the best interest rates
  • Small yet hugely experienced team of experts
  • Our broker fee is the most competitive in the UK!

What our clients say

"Was very impressed with the efficiency of KIS, particularly James and Phoebe who dealt with our application for a secured loan quickly and remaining professional, finding us the best offer for our current situation"
"I needed a loan for some home improvements and debt consolidation, my broker was James, and he was just fantastic"
"James was very responsive and helpful, presenting me with a range of options and explaining them carefully to me. Would definitely use again. Low fees too"
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