Jade Sparham and Liam Scaife welcomed their first child last November. What was surprising to them was that right after birth, baby Poppy-Rae, now 12 weeks old, had a heart-shaped birthmark on her forehead. The 20-year-old mother revealed the baby was conceived on Valentine’s Day last year. 
Jade Sparham said that when she gave birth to her baby, she was extremely worried about this birthmark, but later when she went to the doctor, the doctors said it was a safe birthmark that did not affect the baby’s healthy milk.
Baby Poppy-Rae was born with a heart-shaped birthmark on her forehead.
The 20-year-old mother conceived on Valentine’s Day.
“When we saw the birthmark on her forehead, we were surprised. Even more surprising when we found out that the baby was conceived on Valentine’s Day last year. It’s such a lovely coincidence. It makes this year’s Valentine’s Day for me and my wife even more special. Both Liam and I can’t stop kissing his little face,” said the 20-year-old mother. 
The couple Jade and her husband were extremely happy by the birth of baby Poppy-Rae at Pilgrim Hospital in November. Baby weighs 3.7 kg. Just hours after giving birth, the young couple noticed a red mark on their daughter’s forehead. Doctors confirmed it was just a mark of pressure during the delivery and it would fade after a few hours. However, two days later, the red spot turned into a heart shape. In particular, it will be redder every time she cries or laughs.
To make sure she didn’t have any health problems, Jade took her to the GP and was told it was just a birthmark and didn’t pose any harm to her.
Very cute birthmark on baby’s forehead.
“At first we both feared that Poppy-Rae might be teased when she grew up, or would have a hard time finding a boyfriend. But now we realize it’s this birthmark that makes her all the more special. We really believe that the tiny heart shape has brought the whole family closer together.”,Jade said.
Many people report that birthmarks like Poppy’s forehead will usually disappear by the time she’s about 4 or 5 years old, but it can take longer than that. “I hope Poppy-Rae’s birthmark will never go away. It’s a part of her that makes her special and outstanding,” added the young mother. 
The couple’s baby is now 3 months old.
It’s a lovely and special story! Baby Poppy-Rae being born with a heart-shaped birthmark on her forehead is truly a surprise and adorable. More specifically, the fact that the baby was conceived on Valentine’s Day created more magic for the couple Jade Sparham and Liam Scaife.
For 20-year-old Jade Sparham, seeing her baby have a heart-shaped birthmark on her right forehead makes her feel very happy and grateful. This is a special love symbol that baby Poppy-Rae has worn since birth.
Such special and meaningful things often make families feel more connected and loved. Congratulations to Jade Sparham and Liam Scaife on the birth of baby Poppy-Rae and hope that love and joy spread throughout their family.
Welcoming a first child is an important event in every family’s life, and when baby Poppy-Rae arrives with an adorable heart-shaped birthmark, it adds to the special and magic of the moment. engraved that. The family can feel very grateful and love Poppy-Rae even more for the difference and special love she brings. 
This can create a special love and special bond between parents and their daughter. They can show pride and joy in sharing this special story with friends and family.
The arrival of baby Poppy-Rae with a heart-shaped birthmark on her forehead is a memorable one and can become a symbol of love and hope in this family’s life.
Introduction
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.
Conclusion
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.
FAQs
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.