I wouldn't be nervous, there are plenty of lenders who will be quite happy to take on your mortgage ( try Northern Rock for a deal) , as for your account, try the Alliance and leicester, their account is much better, 10% on savings, £2000 interest free overdraft, interest free credit card for 9 months including balance transfers. What does the hsbc offer ....... naff all just excessive charges! I am in the process of changing over to the A&L after hsbc charged me £125 for going £6 OD! So claim your money back I am!