If you don’t have savings, assets or property you can sell or you already have a mortgage, you might consider a personal loan.

But these attract very high interest rates which could start at around 13.65% for a variable unsecured loan up to $10,000 to 15.85% for a fixed rate unsecured loan for the same amount. A fully secured loan will attract around a 1.5% lower rate.

Personal loans are usually not available unless you are working and have a stream of income enabling you to repay the loan.

You’ll need to think about your dependants and how they might be affected if the debt needs to be repaid and you can’t service the loan.