We’re currently selling our house and looking to buy another.
We’re generally unhappy at the way our current bank operates – we have all our banking with them, including 3 current accounts (2x personal & 1 joint/house account), our mortgage, loan and a credit card (0 balance), and a couple of savings accounts. However, we also recognise that we have a very good mortgage with them so have never bothered to go elsewhere.
Due to the good mortgage we were interested in porting it to another property then topping up, but despite having a great credit track record, good stable jobs etc. they’re offering nowhere near what most other providers would (by nowhere near we’re talking over £150k less than some). So, to buy the house we want we’ll be leaving them;
1) is it better to stay with our current bank until any other mortgage has been authorised?
2) would it count against us if we moved banks immediately prior to applying for a mortgage elsewhere?
3) would a Mortgage provider see us as a more attractive customer/proposition if we were willing to shift our whole banking to them? Or, like our current bank, would they not even give a shit and consider us nothing but an insignificant number?