I had been unable to work due to illness for nearly two years and my husband had left me.  For those two years I lived in many different situations.  Being balloted motivated me to get a job again so that I could get a home with your loan.  To have the security of my own home at a reasonable repayment rate to re-build my life has been a real blessing.

I absolutely love my garden and working with my plants.  Because the loan was interest-free I have a good size section for my large dog 'Tessa' and cat 'Jacinter'.

Thank you for giving me my independence and lovely home.

Julie Calway