03/11/2026
You've been with the same bank since you were 16.
Your first wages went in there. Your student overdraft probably lived there. You've still got the same account number.
Surely that counts for something when you're getting a mortgage?
Well, not quite.
Your bank might have a great mortgage deal for you.
But being a loyal customer doesn't automatically mean they're offering you the most suitable one.
Different lenders have different rates, fees and lending criteria. And your everyday bank is only one option.
So, by all means, keep the bank account you've had since your Saturday job.
Just don't assume your mortgage needs to come from the same place.
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.