My m8 had it when it was called the Virgin One Account,was scary when he went to cash machine,showed up -£80,000

He had it for 6 months,but as you say above,he kept dipping into the money he was supposed to leave in so after 6 months his mortgage was exactly the same

If you earn alot that goes threw your bank account it will save you money on your mortgage for every day that your wages/money stay in there,cause you are paying less interest