I earn about £30,000 gross a year. A local bank offers an overdraft of up to £7000 on its current account with credit card and cheque guarantee card. I am currently with halifax. They are crap. I have banked with them for 4 years. Never defaulted on any payments. I have a personal loan, £1000 overdraft and £2000 credit card. I asked for a consolidation loan and was declined. I think this is because I recently moved address and I wasnt on the electoral register. Crazily a consolidation loan would have been cheaper than all other loans together. I have a very secure public sector job. Halifax has done nothing for me. They gave me all current credit when I had a crap poorly paid job. Since I got a good job they have never approved me for credit. I have been a very good customer throughout.

Thanks

I have 3 years and 3 months left on my mortgage and the outstanding balance is £23,281.10 – I can’t decide whether it would be cheaper to get a personal loan out and pay it off or whether to just stick with it. I might also look at changing lenders, although I don’t know whether or not I am under the limit for most companies to be interested in taking over the load (?) Any advice would be greatly received! Also I would like to cut down the time left to pay back if possible.

I want to borrow some extra money for school (not a school loan). Is there any where I can go to find the best interest rates for a personal loan like they do for car insurance?

I want to take out a personal loan of £12,000 and wanted to know which bank has the lowest interest rate at the moment
PS: I live in England