Banks and other lenders can look more favourably on existing customers, particularly if you’ve been a customer for a long time.  For this reason, it can sometimes be worthwhile thinking in advance and opening an account with a bank you may wish to approach in the future for a loan.  However, other factors such as your income, expenses and how much you wish to borrow will have a much greater influence on whether you get approved for a loan and the terms you’re approved for, so changing accounts may not be worthwhile just for this single reason.