Just over one in 10 (11%) of people never check whether they are on the best mortgage deal or rate, according to research by Yolt.
This is compared with 38% who do not check they are on the best rate for their bank account, 27% for their credit card, 18% for energy bills, and 18% for broadband.
Overall, an estimated nine million people do not check that they are getting the best deal on their regular outgoings.
Pauline van Brakel, chief product officer at Yolt, said: “Many consumers have had a challenging period financially as a result of the pandemic, with a significant number of one in 10 UK adults (12%) seeing their monthly expenses exceed their income over the last year leading to an average overspend by £277 a month, according to our research.
“It is a good time to take stock of your regular outgoings, checking in on where you could be saving by taking advantage of the best deals available and cutting down on unnecessary spending.
“Our own user data shows utilities bills are rising, adding additional strain to household finances.
“Therefore, it’s more important than ever to ensure you’re on a tariff that gives you the best value.
“Switching providers using price comparison websites via Yolt partner MoneySuperMarket could save you hundreds of pounds – and help turn those not-so-good habits into good ones.”