Not sure how relevant this is but Welcome are currently trying to move my existing loan to another provider supposedly on a lower interest rate as I am such a wonderful customer. My thinking - surely if I am such a great customer they would want to keep making money out of me. Do you think they are trying to free up money by selling their existing loans or is it more likely a sign they are going under? Bit wary of transferring the loan to another company so not quite sure what to do about it...any advice?