Apply online for One Account Mortgage Shrinker to pay off your mortgage early and save money.
"It just takes a minute to complete and submit
the One Account Mortgage application"
Managing Your Money
Keeping track of your finances can sometimes be tricky. Not with The One account. We’ll give you all the tools you need to manage your money how and when you want.
For starters, you’ll get a chequebook, debit and VISA cards, and regular monthly statements just like a normal current account. And you can stay in constant touch with your money 24 hours a day, 7 days a week, using our online and telephone banking services.
You’ll also get a personal repayment guide, so you’ll always know where you’re at with your borrowing and how much to leave in your account each month to pay it off at the end.
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.
Safe and secure online application with SSL encryption technology.
Get your One Account Mortgage and enjoy a better return on your savings today.
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| Points you should bear in mind Existing loans and credit cards Bringing together any existing loans and credit card borrowing lets you choose how quickly, or slowly, you wish to pay it off. Let’s say your existing loan is over 5 years – you can aim to pay it off over the same period of time and still save money, simply because of the One account’s great rate. And if you choose to pay it off sooner, you’ll save even more. If your aim is to keep down the monthly cost of all your borrowings by paying them off over the full term of your mortgage, that’s fine too. But you could end up paying more than with your existing arrangement – it’s your choice. And remember this will increase the amount of borrowing secured against your home. Repaying your borrowing We calculate interest daily and apply it to your account each month. This is added to your borrowing which you repay by simply leaving money in the account. How quickly or slowly you repay it is up to you. All we ask is that your borrowing doesn’t exceed your facility, and that you repay it by the end of the mortgage term. And if you choose to take a break from repaying your mortgage for a few months, remember that interest will still be applied to your account during your break. This will increase the amount of borrowing secured on your home, and may mean you need to leave more in your account in future to repay your borrowing. Increasing your borrowing The rate of interest you pay will depend on your agreed borrowing limit in relation to the value of your home. We’re happy to discuss an increase in your borrowing limit at any time. Remember that this could increase the interest rate applied to the total amount of your borrowing and that any extra borrowing will be secured on your home. This will reduce any equity you have built up in your home. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. |
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