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Loans and mortgages for house purchase or refinancing your home. You can ask to have all your existing loans and monthly bills to be put together into one payment to make things easier for you. The borrower initially receives an amount of money from the lender, which they pay back, usually but not always in regular installments, to the lender. This service is generally provided at a cost, referred to as interest on the debt. A borrower may be subject to certain restrictions known as loan covenants under the terms of the loan.