Hi

I'm after some guidance. I have a loan with £9000 remaining at 9.7%. Five years left.

We desperately need some home improvements and am looking to top up my loan to £19000. Seeing the bank on Monday. Naturally I have been doing my homework: I've got all our credit reports (this is a joint application) and we both have scores of 999.

I was using the lloyds loan calculator on the Internet banking, and the 'personalised' quotes were returning results with APR of 3.9% - 4.5%. Great.

However, suddenly, the quotes started coming back at 11 - 12%. My circumstances haven't changed, neither has my credit rating. I got a bonus in June.

My questions are, if someone wouldnt mind advising:
https://loaengravingcalculator.com/
a) how 'personalised' are these quotes?
b) are they are true reflection on what we are likely to be offered?
c) what factors, exactly, influence these 'personalised' quotes?

Any advice would be appreciated. I'm truly baffled.