The One Account Mortgage

The One Account is not just an ordinary mortgage. It's not just a flexible mortgage. It's much more than that. The One Account launched the UK’s first current account mortgage only seven years ago.

By bringing together your mortgage, current account, savings, loans and credit cards, the One account can help you make your money work harder and reduce the amount of interest you pay on your borrowing. It's very simple, but the effect it can have on your finances can be quite amazing.

Because the One Account is part of the Royal Bank of Scotland Group, one of Europe’s leading financial services groups, they’ve got the benefit of nearly 300 years’ experience in helping customers find better ways to manage their money.

By bringing together your mortgage, current account, savings, loans and credit cards, the One Account can help you make your money work harder and reduce the amount of interest you pay on your borrowing. It's very simple, but the effect it can have on your finances can be quite amazing.

Reduce the interest you pay on your mortgage

Just by paying your income and savings into the same account as your mortgage you're reducing your mortgage balance, so you only pay interest on the lower amount. This could save you a fortune over time and help cut years off your mortgage, and as the One Account is like a normal current account, you can get hold of your cash anytime you like. It's the same with your savings – when you need them, they’re there.