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Normally, there is no time at all to lose in these circumstances, thus a virtual loan is the right selection. Everything is quick and clear, it concerns receipt and repayment. It depends on your bank clearing times sometimes it can take longer than anticipated. Umbrella mortgages, a unique financial solution gaining traction in the property market, offer borrowers unparalleled flexibility and convenience in managing multiple properties under a single loan. I often take a loan when there is not enough salary.