Five ways to get a cheaper loan

Extract . . .

Despite rock-bottom interest rates, borrowing money can still be an expensive business. Research from the Bank of England, published yesterday, shows that banks now charge a markup on personal loans and mortgages that is "substantially higher than before the financial crisis".
However, it's not all bad news, particularly if you haven't had problems obtaining credit in the past. "There are some incredibly attractive offers for those eligible," says David Black, from Defaqto. "The keenest rates are the preserve of those with the best credit ratings.

http://www.telegraph.co.uk/finance/personalfinance/borrowing/8014963/Five-ways-to-get-a-cheaper-loan.html