Nine children in nine years would be more than enough for most women – but supermum Rayna Warriner is already planning number 10. Rayna’s most recent arrival daughter Avie was born just three weeks ago. Taking care of a large family is not easy. The children in turn Eryn, 16, Jackson, 14, Harrison, 13, Callan, 11, Taitum, 10, triplets Meredith, Romany, and Ilish, aged eight and Avie, six. But recently, the mother was planning to have another baby.
Rayna Warriner, 32, from Bournemouth, Dorset said:” I’m hooked on the adrenaline rush I get from having a beautiful baby and it is a miracle that lasts a lifetime. We have got one more seat to fill in our minibus – so who knows! I love being in ʟᴀʙᴏᴜʀ and get a real buzz out of giving birth.” Her husband Malcolm, Police sergeant, 45, said: “When we got married 10 years ago Rayna said she’d like four children and I joked I wanted eight. We agreed to settle for six but it hasn’t worked out that way.” Avie follows triplet sisters Ilish, Romany and Meredith, aged 23 months, Taitum, three, brothers Callan, four, Harrison, six, and Jackson, eight, and big sister Eryn, nine.
Warriner said: “I had a word with Avie in ʜᴏsᴘɪᴛᴀʟ to tell her to behave for her ᴍᴜᴍᴍʏ and it seems to have worked. She has slotted in fine and even sleeps through the night, which is just as well. When I brought her home the triplets thought she was a doll until she moved. Now they dote on her. After the triplets were born we made a conscious decision that we would have one more. But I think my body found the ᴘʀᴇɢɴᴀɴᴄʏ a lot harder this time than the previous ones and maybe that is nature’s way of saying enough is enough. We haven’t had a holiday for years or a night out together. We don’t have a social life but I don’t feel I’m missing out.” The older kids are taken to school and nursery then Warriner returns to look after the tots, as well as fitting in the housework and doing four loads of washing before it’s time for the school run again.
She said:” Normally I’m up until after midnight making up lunch boxes for the next day. People think we are mad but the children are our life and bring us so much pleasure. We have had nine in nine years. I think if there had been a gap of a few years in between each of them I would have found it much more difficult to cope with the sleepless nights. As it is, these past nine years have just been one long routine of 18-hour days.” With holidays, the Warriner’s busy schedule is precisely military planned. To ensure she sticks to her strict budget of £3,000, she starts shopping for bargain gifts in the New Year sales – 11 months before the big day.
She said :” For most people holidays is busy but for me it’s an average day. I hear people tell me they are worried because they have nine people coming for dinner, and then it dawns on them that it’s a usual thing for me. But it is brilliant fun and I love making it magical for the children, it makes me feel like I have done my job for them. I think the key to running holidays smoothly with a big family like ours is organisation, and also realising that you are only one person and you can only do your best. I happy with my family.”
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.