In the past homeowners applied for a secured loan for a variety of reasons, such as to buy a car, a caravan, a motorhome, a boat, etc. etc. A secured loan was often used to fund homeimprovements such a new kitchen, bathroom, conservatory, gazebo, decking, etc. etc. It was a sensible way of using the equity in your property to increase the value of your property. Now there is quite a novel new way of spending your secured loan funds, and that purpose is to improve your appearance. In the past people were quite content to go to a regular main stream dentist to maintain the basic maintence of their mouth and teeth. Now however people want the gleaming whiter than white teeth of the celebrities they so admire Dental work such as tooth whitening, implants, caps, etc. etc. is expensive, and to fund this people are applying for personal loans while homeowners are opting for what is usually a lower interest rate of the homeowner loan. Secured loans are also being applied for to fund hair implants in addition to cosmetic dental work. This use of a secured loan or homeownwer loan is very much a sign of the times.