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Does it pay to stay loyal to your mortgage lender?

We reveal the savings that could be made by staying loyal or making the switch
James RoweSenior Video and Audio Content Creator

Having previously worked at the BBC and in commercial radio before joining Which?, James produces our always-on podcasts, and oversaw the launch of our member-exclusive podcasts in 2025.

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If you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

One in five mortgage holders choose their lender because they already have another financial product with them according to Which? research. But does that loyalty actually lead to a better deal?

In this episode of the Which? Money podcast, we’re joined by Which? mortgage expert Sam Wilson & Associate Director at L&C Mortgages David Hollingworth to look at this data and unpack whether it’s best to shop around or stay loyal.

Plus, we reveal which mortgage providers have been awarded Which? Recommend Provider status this year, and touch on what the new Renters’ Right Act could mean for the rental market.

Click to download a transcript of this podcast.

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The Which? Money podcast offers weekly advice to help you get on top of your bills and tackles the issues hitting your pocket, from spiralling energy costs to your weekly food shop.

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About Us

Which? Limited is registered in England and Wales to 2 Marylebone Road, London NW1 4DF, company number 00677665  and is an Introducer Appointed Representative (FRN 610689) of the following:


1. Inspop.com Ltd for the introduction of non-investment motor, home and travel insurance, who are authorised and regulated by the Financial Conduct Authority (FCA) to provide advice and arrange non-investment motor, home, and travel insurance products (FRN310635). Inspop.com Ltd is authorised and regulated by the Financial Conduct Authority (FCA) to provide advice and arrange non-investment motor, home, travel insurance products (FRN310635) and is registered in England and Wales to Greyfriars House, Greyfriars Road, Cardiff, South Wales, CF10 3AL, company number 03857130. Confused.com is a trading name of Inspop.com Ltd. 


2. LifeSearch Partners Limited (FRN656479), for the introduction of Pure Protection Contracts and Private Health Insurance, who are authorised and regulated by the FCA to provide advice and arrange Pure Protection Contracts and Private Health Insurance Contracts.  LifeSearch Partners Ltd is registered in England and Wales to 3000a Parkway, Whiteley, Hampshire, PO15 7FX, company number 03412386.


3. HUB Financial Solutions, for the introduction of equity release advice and an annuity comparison service, who are authorised and regulated by the Financial Conduct Authority (‘FCA’) to provide advice and guidance on financial products for those who have retired or are approaching retirement (FCA Firm Reference Number: 455713). HUB Financial Solutions is registered in England and Wales to Enterprise House, Bancroft Road, Reigate, Surrey RH12 7RP, company number 05125701.


4. Alan Boswell Insurance Brokers Ltd (FRN 301), for the introduction of non-investment landlord insurances, who are authorised and regulated by the Financial Conduct Authority to provide advice and arrange insurance contracts. Alan Boswell insurance brokers Ltd is registered in England at Prospect House, Rouen Rd, Norwich NR1 1RE, company number 02591252.


5.Stickee Technology Limited for the introduction of non-investment pet insurance, who are authorised and regulated by the Financial Conduct Authority (FCA) to arrange non-investment pet insurance products (FRN916665). Stickee Technology Ltd is authorised and regulated by the Financial Conduct Authority (FCA)  in England and Wales; 3rd floor, 1 Ashley Road, Altrincham, Cheshire, UK WA14 2DT Registered company number 06711740


6. Travel Insurance Facilities Plc (FRN306537), for the introduction of travel insurance, who are authorised and regulated by the Financial Conduct Authority (FCA) to arrange non-investment insurance contracts. Registered in England under company number 3220410 at Suite 12, 20 Churchill Square, Kings Hill, West Malling, Kent, ME19 4YU.

 

Other financial services:


Mortgage service provided by London & Country Mortgages (L&C), Unit 26 (2.06), Newark Works, 2 Foundry Lane, Bath BA2 3GZ. London & Country are authorised and regulated by the Financial Conduct Authority (registered number: 143002). The FCA does not regulate most Buy to Let mortgages. Your home or property may be repossessed if you do not keep up repayments on your mortgage.


We do not make, nor do we seek to make, any recommendations or personalised advice on financial products or services that are regulated by the FCA, as we’re not regulated or authorised by the FCA to advise you in this way. In some cases, however, we have included links to regulated brands or providers with whom we have a commercial relationship and, if you choose to, you can buy a product from our commercial partners. 


If you go ahead and buy a product using our link, we will receive a commission to help fund our not-for-profit mission and our campaigns work as a champion for the UK consumer. Please note that a link alone does not constitute an endorsement by Which?.