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Loan Options, the best one?

Dear all

I really need help on what would be the best option for us if we want to borrow £50K, with a personal secured loan from my mortgage company I'm told this can then be added to our mortgage when we remortgage in a year, is this a better option than a loan from another company that has a lower APR? I've read and reread Martin's tips and done my research but it's a matter of £20 extra a month, if I go with our mortgage company and I know that sounds a lot at the moment but how does it all work, are we better in getting a loan that tracks our mortgage or with another company?

Any quidance or tips would be greatly appreciated, if you know a good repetail company that has low APR?
;) B;0
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