Thanks Emma P and the UME team, Other Emma and Tim( for ringing back initially to suggest options), for making the experience smooth and easy. Despite my apprehensions of securing a loan, the whole team at UME were non judgemental supportive and friendly to work with, I would recommend UME highly for the support, ease on contractibility, clarity and open transparency. I have no hesitation in saying these words. You (UME Team) have made our lives a lot easier by providing a solution for us. Thank you, Andrew and Amanda