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@wedinn It really isn't feasable to go through all your coffee purchases with seven different lenders. (the whole normative credit checking process has been backfiring on banks, when they lend to a person with an overly frugal lifestyle and find they have nothing to cut down on when...

@wedinn Mortgage availability / rate is the usual thing. Anyone getting a new mortgage in the current environment will wind up with whoever offers a deal, often via a broker. Generally people move their transaction banking with the mortgage.