The couple, Anna Mitchell, 30, and husband Nick from Mansfield, amazingly found they were pregnant with not just one baby – but three. She gave birth to her triplet gifts from heaven in July, and the family is set to have their first-ever Christmas together.
The couple had been trying for a baby when Anna’s mum, Nicola, discovered she had liver cancer. She lost her first baby through an ectopic pregnancy – where the baby develops in the fallopian tube instead of the womb – while her mum was in a hospice before she died. She lost her second baby, also through an ectopic pregnancy, in the summer of 2010, and then lost her third baby in November 2010. She was rushed into the operating theatre after losing her second baby, and doctors removed her fallopian tube.
Anna said: “It was life-threatening to me to lose these babies as each time my fallopian tube could have burst. Doctors removed one of my fallopian tubes. It was devastating, it was taking away some of the chance I would have to be a mum. After losing my third baby, I couldn’t believe it. I had already lost three babies. I was terrified I was never going to be a mum.”
The doctors broke the news to Anna that she would be unlikely ever to fall pregnant naturally. So the couple came to the decision to try IVF treatment, using the money that Anna had been left by her mother. She said: “I was going to use it to start having IVF treatment. If I couldn’t be a mum naturally, then I needed help. And mum’s money was a perfect gift from her. She knew how much I wanted to be a mum, and now she was giving me the chance.” Anna said: “It was devastating, but I knew that we had to keep trying. It’s what mum would have wanted.” So in April 2012, they tried again for the second time, but again Anna had an ectopic pregnancy and lost her fourth baby. They decided to have one final go in December 2012, and she fell pregnant.
She said: “I lay on the scanning table hardly daring to breathe. And there it was – a little heartbeat pumping away. I cried with relief. I’d lost four babies, and now here it was, a heartbeat in the right place at last. I felt as though mum was looking down on me and helping me along.” But at 13 weeks pregnant, the sonographer had amazing news for them – there wasn’t just one baby in there, but three.
She said: “I nearly fell off the table with shock. Then I started crying all over again. I wasn’t just having one baby, I was having three. I’d waited all these years to have a baby, and now three were all coming at once. And it was all thanks to mum, it was her triple gift from heaven for me.” The babies were born one after the other in July, by caesarian at the Kingsmill Hospital in Mansfield. Summer weighed 3lb 8oz, and the identical twins Joseph at 3lb 8oz, and Jacob at 4lb 5oz.
Anna added: “We haven’t bothered decorating our house for years, as there was just the two of us and no children to fill it. But this Christmas we have three wonderful little reasons to decorate the house from top to toe with baubles, tinsel, and lights. It’s the first Christmas we have with our three little miracles, Summer, Joseph, and Jacob – and we mean to make the most of it. But there is one thing we won’t forget – and that’s mum, who made it all possible.
It will be the most amazing Christmas ever this year, with our three gifts from heaven. I’ve decorated the house from top to toe, and I know that somewhere out there, mum is looking down on us. Having three babies has made up for all that heartbreak. And it’s all thanks to mum and her amazing gift that we are going to have the best Christmas ever.”
Are you in need of financial assistance but don't want to sell your property? A loan against property might be the ideal solution for you. This type of loan allows you to leverage the value of your property to secure a loan amount. In this article, we will provide you with a comprehensive guide on obtaining a loan against property. Follow these step-by-step instructions to make the process smooth and hassle-free.
Assessing Property Value
The first step in obtaining a loan against property is to assess the value of your property. You can hire a professional property evaluator or consult a real estate agent to determine its market worth. The lender will consider this valuation to calculate the loan amount they can offer you.
Once you have assessed your property's value, it's time to research different lenders who offer loans against property. Compare their interest rates, loan tenure, processing fees, and customer reviews. Choose a reputable lender that aligns with your requirements and offers favorable terms and conditions.
To apply for a loan against property, you need to gather the necessary documents. The typical documents include:
- Property ownership documents
- Identity proof
- Address proof
- Income proof
- Bank statements
- Tax returns
Ensure that you have all the required documents ready and organize them for easy access during the application process.
Now that you have chosen a lender and prepared the documents, it's time to submit the loan application. Fill out the application form provided by the lender, providing accurate information. Double-check the form to avoid any errors or discrepancies.
After submitting the application, the lender will initiate the property valuation process. They will send a representative to assess the property's condition, location, and market value. This valuation helps the lender determine the maximum loan amount they can offer you.
Loan Approval and Disbursement
Once the property valuation is complete and meets the lender's criteria, they will approve your loan application. The lender will communicate the approved loan amount, interest rate, and repayment terms. Upon agreement, the loan amount will be disbursed to your bank account.
Understanding the repayment terms is crucial before finalizing the loan agreement. The terms include the loan tenure, interest rate, and EMI (Equated Monthly Installment) amount. Ensure that you carefully review the repayment schedule and have a repayment plan in place.
Obtaining a loan against property can provide you with the financial flexibility you need without giving up ownership of your property. By following the step-by-step instructions outlined in this article, you can navigate through the process effectively. Remember to conduct thorough research, gather the necessary documents, choose a reliable lender, and understand the repayment terms.
FAQs1. Can I obtain a loan against any type of property?
Yes, you can obtain a loan against residential, commercial, or industrial properties.2. What happens if I default on the loan repayment?
Defaulting on loan repayment can lead to penalties, legal action, and the possibility of losing your property.3. Is the interest rate fixed or variable for a loan against property?
The interest rate can be either fixed or variable, depending on the terms agreed upon with the lender.4. Can I prepay the loan before the tenure ends?
Most lenders allow prepayment of the loan, but it may be subject to prepayment charges.5. How long does the loan approval process take?
The loan approval process can vary among lenders, but it typically takes a few days to a few weeks, depending on the documentation and property valuation process.
In conclusion, a loan against property is an excellent option for individuals in need of financial assistance. By following the step-by-step instructions provided in this article, you can secure a loan against your property efficiently. Remember to thoroughly assess your property value, research lenders, prepare the required documents, and understand the repayment terms. With careful planning and execution, you can leverage your property to fulfill your financial needs.