<h1>Strategic Moves to Lower Home Loan Interest: Balance Transfer, Prepayments, Credit Optimization, and Direct Negotiation</h1> Home loan borrowers can reduce interest rates through several strategic approaches. These include transferring the loan balance to a lender offering lower rates, making regular prepayments, selecting shorter loan terms, improving credit scores, and directly negotiating with current lenders. Key considerations involve comparing potential savings against transfer costs, understanding market rate trends, and maintaining a strong credit profile to secure more favorable loan terms.