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Halifax, TSB, Bank of Scotland? Are they offering bascially the same thing?

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Hi All,

I am a first time buyer and I have done a google search where I found Halifax, TSB and Bank of Scotland may offer some mortgages that I want.

Question is:

I clicked on mortgage button on 'Bank of Scotland' website and was then directed to Halifax. Then I googled and found out that Bank of Scotland/Halifax/TSB are basically the same thing.

Then why do they offer mortgages separately and with different rates?

Thanks,
Deisler

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