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I know loans aren't good.......we are very fortunate not to have any debt (except mortgage if that counts) and always live within our means every month, BUT we are desperate to convert our garage into a room (silly shape/organisation of our house means it will be necessary as family expands) - we have no way of moving so this is our only option for fitting! However, we have very little in savings, so the only way of paying for it would be to take out a loan. Is this a ridiculous idea, and where (if any) are the 'better' places to take out a loan (ie least money-snatching notthatthat'spossible)? We would obviously have to accept that we'd be paying back a lot more than it cost, and we can afford to pay back a small amount a month, but not loads, so we know that we'd be paying it back for years and years...
I second that, your bank/building society. Talk to them, work out what you can afford to pay back on a monthly basis, using current income and existing commitments, to give yourselves and them an idea of how much you can afford to borrow.
If you go for a loan rather than a remortgage, try to get one that you can overpay without charge, so that if you can spare an extra £20 a month you can it it towards the loan and reduce the term/interest charged.