He Might Not Have All Of His Arms And Legs, But He’s Absolutely Perfect To Me

When praising her son, a mother who was born and had one limb with an amniotic band spoke of never doubting herself. Now 11 months old, Henry Higgs finds joy in playing in the bathtub and reaching for his toys. Rosie Higgs, his mother, was informed during her 20-week pregnancy that her unborn child might have an amniotic band and face significant physical challenges. Despite questions from family and friends about whether she should consider abortion, Rosie, a mother of three from Harrow, North London, is certain that she is having a son.

While individuals may face difficult lives with many limitations, she declared, “I didn’t listen.” Despite the worries and distress, Rosie believes that Henry will lead a fulfilling life despite his physical restrictions. Both Rosie and her husband Peter agreed that Henry deserved a chance, and they made the decision together. Peter was overjoyed, and they are confident that Henry will be okay. Rosie, who deals with children with special needs daily, stated, “Being pregnant can be frightening at times, but I had scans every four weeks, and they closely monitored the situation.”

To make matters worse, Rosie’s 55-year-old mother, Paula, was unable to be present during the birth due to the global pandemic. Rosie continued, “It was horrible not to have my mother there when I was born, especially knowing Henry was high risk.” However, the midwife was exceptional, and despite the anxieties and stress, they asked Rosie if she wanted to meet Henry immediately during labor. She could only learn so much from the scans and was unsure of what to expect when Henry first appeared. Henry was born healthy on May 13 at Northwick Park Hospital in London, weighing 8 lbs 2 oz. While his father Peter, a supervisor of Emirates’ seats and facilities, went to see Henry first, the midwives moved Henry to the side.

As soon as Peter introduced him to her, Rosie fell in love. Henry is making excellent progress and is incredibly content. His babbling in the morning brightens her day. Despite the need for caution, Henry enjoys using his high chair and has a talkative personality with a mischievous smile that never fades. He adores his older sibling. Even though he doesn’t have all his arms and legs, he is perfect to Rosie.


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.

Researching Lenders

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.

Document Preparation

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.

Loan Application

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.

Property Valuation

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.

Repayment Terms

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.


1. 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.