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Following the merger of Halifax and Bank of Scotland on 10th September 2001, HBOS has 22 million customers and a relationship with two out of every five households in the UK.

With assets of over 400 billion, it is the UK's largest mortgage and savings provider.

Personal loans are available for almost any purpose from 1,000 up to 25,000 and repayments can be spread over one to seven years. There are no hidden fees and monthly repayments will never vary, which makes budgeting easier.

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