i was considering it, but i would have had to "save" £600 a month to reduce it down to just under 10 years with a deposit of £5k every year
at the moment i can put down £5k a year on the mortgage i've got and knock off a year a time

AND i can pay off 10% every year on the total amount AND it's fixed for 2 years

so i could pay off £17 grand in the first year and £17 grand in the second and reduce the mortgage by 6 years PLUS have smaller repayments to make

which is the better way to go about things, save like buggery for 2 years then pay off a big cunk on the mortage, at least you've still got some money left over if you decide to dip in

if i was earning about £10k more per year i'd go for the one account, bu at the moment it's too much to ask