A secured homeowner loan is, as its name suggests, a loan secured against your property. Secured loans need no upfront survey, legal or other fees. The funds can be used for most purposes, including paying off outstanding loans or credit cards and reducing your monthly repayments. Also, the loan can be used for home improvements, a new car, a wedding, a holiday or to inject cash into your business.
There are a number of specialist lenders willing to advance finance secured by way of a second charge against the your property over a period of between 5 and 25 years. In general terms, the maximum combined loan-to-value (LTV) of the current mortgage, plus the proposed extra secured loan, should not exceed 90%. In fact, some lenders will restrict the maximum LTV to 80% if for business use.
As the finance lender would be second in the queue for security, this involves a slightly higher risk which means that a higher interest rate would be charged, the interest rate depending upon the applicant’s credit score. Although secured homeowner loans might be more expensive in terms of the interest charged in some cases, the following advantages may apply.
- A secured loan may usually be raised much more quickly than finance using a remortgage. Whereas it might often take three weeks to arrange finance via a secured loan, it usually takes at least six weeks to remortgage.
- The applicant may be tied to a mortgage lender offering a low interest rate for say 3 or 5 years, which might involve early redemption charges if the mortgage is redeemed prematurely. In utilising a secured loan, the mortgage can remain in place to avoid such a charge.
- Whilst the applicant may have a 25 year mortgage, they may not want to extend his business finance for such a long term, which would be the case if they remortgaged.
- Finance raised via remortgaging cannot be offset against the future profits of a business for tax purposes. However, a separate secured loan can be clearly identified as being for business use and offset against tax accordingly.
When considering applying for a secured homeowner loan, it is wide to consult with a professional loan broker who will search the market and source the best secured loan for you from a wide panel of lenders.
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| Kicker 08ZX8504 4X215-Watt 4-Channel Amplifier |
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| Manufacturer: Kicker |
| Customer Rating: |
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| List Price: $749.95 |
| Sale Price: $291.54 |
| Availibility: Usually ships in 24 hours |
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Product Description |
Amazon.com Product Description ZX dominance means severe stereo or mono amplifier power surging into corresponding KICKER subwoofers and speakers. ZX dominance also means the utmost reliability from the biggest name in trouble-free amplification and loud, clear sound.  Trouble-free amplification and loud, clear sound. Click to enlarge. |  All ZX Amps are now outfitted with differential RCA inputs. |  Includes remote bass control. | ZX-Series Amplifiers return for 2008 as reliable as ever--21 no-fault options to run a complete car audio system. Two-channel, four-channel, three- and five-channel hybrids, and absurd single-channel subwoofer amps round out a hard-working, noise-free lineup known for supplying the force until the listener shuts the music down. And now all ZX Amps are outfitted with differential RCA inputs, completely eliminating unwanted whines and audio trash and making for the most enjoyable listening experience possible. Differential inputs and new automatic turn-on modes make ZX Amps some of the most complete power producers on the market. ZX Multi-Channel and Hybrid Amplifiers
Six ZX-Series Multi-Channel Amplifiers put the choice of system installation in your hands. Power ranges from 50 watts x 4 channels up to 215 watts x 4, giving the user plenty of system decisions to make. These amps carry the same crossover and KICKEQ Bass Boost as the stereo amps, but they also include a useful fader dial. Two popular hybrid models among the multi-channel amps feature a sub-rattling, 420-watt Class D channel to go along with 85 watts/channel in the ZX.3 amp and the 85 watts x 4 in the ZX.5 amp. Boost remains available, but through the sub sections only. ZX850.4 Features
- 3 automatic turn-on modes
- Balanced differential inputs for noise elimination
- RCA inputs have direct speaker level input capability
- Easily removable top allows for custom painting
- Optional end caps
- 2 ohm stability on all amps
- Angled power connections
What's in the Box
ZX850.4 amplifier, Remote bass control, Mounting hardware, User's manual
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Product Details |
- 4 x 215 Watt stereo amplifier
- Built-in 12dB/octave high-, low-, or all-pass electronic crossover variable from 50 to 200 hertz
- KICKEQ Boost offers up to 18 decibels of bass centered at 40 Hz
- Balanced differential inputs for noise elimination
- One-year limited warranty
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Customer Reviews |
 Wonderful BIG Amp |
| Review Date: January 4, 2010 |
| Reviewer: Duane A. Noel, Grenada |
I have used Kicker products for some time now. I have installed and listened to many different AMPS. You will not regret buying this amp. Just make sure that you have the required space to place it as it is ONLY 26 inches long. The previous models came with end caps, however I have to buy the end caps with the newer models.
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Reviews
08zx8504, 4channel, 4x215watt, amplifier, kicker
