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Secured Loan for £45K?

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I Need to raise £45K

I own my home outright (worth approximately £250,000) and would like to know the best way to raise £45K.
For the first 2 years I could pay back approximately £250.00 per month and thereafter £1000 a month, so would not want to be tied to an early repayment charge.

I would appreciate any advice.

Many Thanks.

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