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The best deals could be even better than they appear

The best buy tables don't always tell the full story: while Halifax offers an excellent APR of 6.9% for its secured home loans, the rate for existing mortgage customers is even better: 6.0% APR. Loan comparison services quote the rate offered to everyone, but there are often incentives for existing customers.

When you check out the best secured home loans you'll find very low APRs – but if you're an existing customer of the lender, the rate you're offered could be better still. Loan comparison services can only show the rates offered to all customers, but you'll find that some lenders encourage customer loyalty by offering significant financial incentives to their existing customers. For example, at the time of writing the Halifax offers an excellent 6.9% APR for its secured home loans – but if you already have a mortgage with the Halifax then the rate for secured home loans plummets to just 6.0%.
Not all lenders offer such incentives, but it's definitely worth double-checking: the special rate offered by Halifax to its existing mortgage customers is much lower than the best rates offered by other lenders, so Halifax mortgage customers can save a packet by getting secured home loans from the Halifax instead of from other lenders. helps you find the best loans companies for your specific needs, and gives you background information on the various types of loans available in our loans articles, more loans articles and still more loans articles.

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