“I wish people could see past the birthmark and see what a wonderful little angel she is.”
This is the courageous youngster ʙᴀᴛᴛʟɪɴɢ ᴀ ʜᴜɢᴇ ʙɪʀᴛʜᴍᴀʀᴋ. A distinctive ʙɪʀᴛʜᴍᴀʀᴋ that covers Matilda Callaghan’s face and the right half of her body. However, brave Matilda, age 2, doesn’t allow the constant ʟᴀsᴇʀ ᴛʀᴇᴀᴛᴍᴇɴᴛs to deter her from fighting.
The couple Paul, 45, and Rebecca, 41 from Leigh, Lancashire had no idea there was anything wrong with Matilda before she was born in October 2010, weighing a healthy 5Ib 5ozs. Callaghan’s pregnancy hadn’t’ been easy as there was too much ғʟᴜɪᴅ in her ᴀᴍɴɪᴏᴛɪᴄ sᴀᴄ, and the ᴅᴏᴄᴛᴏʀs decided to deliver the baby early.
When she was born she had a ᴅᴀʀᴋ ᴘᴜʀᴘʟᴇ ᴍᴀʀᴋ ᴅᴏᴡɴ the side of her face, which initially doctors thought was a ʙʀᴜɪsᴇ. But then half an hour later, they ʙʀᴏᴋᴇ the ᴅᴇᴠᴀsᴛᴀᴛɪɴɢ news to the couple that it was a ʙɪʀᴛʜᴍᴀʀᴋ. Two weeks later she was ᴅɪᴀɢɴᴏsᴇᴅ with a condition called Sᴛᴜʀɢᴇ Wᴇʙᴇʀ Sʏɴᴅʀᴏᴍᴇ, a rare ɴᴇᴜʀᴏʟᴏɢɪᴄᴀʟ and sᴋɪɴ ᴅɪsᴏʀᴅᴇʀ. It ᴄᴀᴜsᴇs learning ᴅɪғғɪᴄᴜʟᴛɪᴇs, ᴘᴀʀᴀʟʏsɪs ᴀɴᴅ sᴇɪᴢᴜʀᴇs. Because she was sᴏ ɪʟʟ, Matilda was ʀᴜsʜᴇᴅ from Wigan Hᴏsᴘɪᴛᴀʟ to Alder Hey Children’s Hᴏsᴘɪᴛᴀʟ in Liverpool.
Paul said: ” We couldn’t travel with her as she was sᴏ ɪʟʟ. As we stood watching her being taken away, we didn’t know if we were going to see her again. We’d been so excited at our baby’s arrival, now within a matter of hours we didn’t know whether we would even see her ᴀʟɪᴠᴇ again.” But even from a day old, Matilda was a force to be reckoned with. She had also been born with two ʜᴏʟᴇs in her ʜᴇᴀʀᴛ, which was even more difficult for her sᴜʀᴠɪᴠᴀʟ. She managed to sᴜʀᴠɪᴠᴇ her first surgery, and when she was two months old she went to the ᴏᴘᴇʀᴀᴛɪɴɢ theater again for surgery to ʀᴇᴘᴀɪʀ the ᴛᴡᴏ ʜᴏʟᴇs in her ʜᴇᴀʀᴛ
Paul said: ” We were ᴛᴇʀʀɪғɪᴇᴅ when she was ᴡʜᴇᴇʟᴇᴅ ᴅᴏᴡɴ for the surgery– even though she was two months old – she still looked sᴏ sᴍᴀʟʟ to be having such major surgery. Eventually the sᴜʀɢᴇᴏɴ came up to see us and told us the surgery had been successful. Matilda is absolutely amazing. Despite everything she has been through, she is still happy and she has a smile for everyone. She’s doing fantastically well.”
The doctors have said take Matilda’s ʙɪʀᴛʜᴍᴀʀᴋ may take 16 years of treatment for it to fade. She has recently started ʟᴀsᴇʀ treatment to stop carrying on growing as she gets odder.
Paul added:” Matilda has had more than 30 ᴏᴘᴇʀᴀᴛɪᴏɴs and is so brave. She is our little miracle. We wanted the best for her and to make her life easier. We never thought she would make it when she was first born so we have come a long way. The changes we have made to the house – especially the lift which has made a massive difference as she is getting heavier now – have all hopefully made Matilda’s life more comfortable.”
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.