Alrite mate, the one account is a good mortgage IF you are rich and have alot of money in your account.

I.e Your bank account is your mortgage and your wage gets paid in and off your mortgage. Intrest is calculated daily. So if you have alot of money and can save all your outgoings till the end of each month it knocks alot of the intrest you will pay. For your average Joe it wouldn’t be any good. If you get a cracking wage and can keep as much in as possible its true that you can pay your mortgage of really quickly.

When i see her in a bit i will ask her more about it. (we have just got a house) we move in next week but we haven't gone with the one account.