**Exclusive Broker Offer**

The One Account (previously known as the Virgin One Account) lets you put all your money – your mortgage, current account, savings and loans – in one place. That could save you thousands of pounds in interest charges. The One Account is in fact no longer owned by Virgin, it is now owned by the Royal Bank of Scotland and has been renamed the 'The One Account'

The One Account puts all your money in one place - from your mortgages and loans to your savings and current account - saving you thousands of pounds in interest charges and giving you the flexibility to live your life differently. Whether you're buying a new home, looking to remortgage or simply want more from your bank, the One Account is the smarter way to manage your money. It's been proven that eight out of ten homeowners would be better off with the One Account

Stay in control of my money with everything in the same account.
Running everything through The One Account makes it easier to stay in control of your money – not harder.

You’ll have just one account to manage, one company to deal with, one statement to look at each month.

Giving you the information you need to manage your money is one of the key principles our service is based on. That means providing you with...

• account information – online and over the phone
• one balance – giving you the bigger picture
• the option to break down your balance – so you can see your finances in the way you’re used to i.e. individual balances for your mortgage, loans, savings and current account money
• one monthly statement – giving you a financial overview
• a repayment guide – to keep you on track to repay your borrowings
• an annual review – helping you get the most out of your One Account
• money management tools – so you can analyse your spending and create a monthly budget if you need to.

Whatever you need to feel in complete control of your money you’ll find it with The One Account.

The One Account flexible mortgage option (re-mortgage) offers you:

		No Arrangement Fee

		No Ties

		Offset Capital

		Special Broker Cashback Offer

		Make over payments and under payments

		Call For Best Offer

	Benefits of using Select Mortgages & Loans • Personal Advice • Comparing other offset or flexible providers products • Sourcing the right product for your needs & wishes

Call us today to get a quote
Tel: 01792 85 00 17

Benefits of banking through The One Account?

You’ll save money.
The biggest benefit of running your banking through The One Account is the money you’ll save. By moving your mortgage and all your banking needs into the same account, you can use your income and in particular any money that would usually just sit idle in your current account – to reduce your borrowings and save you interest.
Simply paying your income into the One Account, spending it evenly and leaving an extra £100 at the end of each month could save you over £15,000.

You’ll get a truly personal banking service.
As well as giving you the chance to save thousands in interest, we offer a banking service that simply can’t be matched. It’s built around five basic principles...

How is interest calculated?
Interest is calculated daily – so you only pay interest on what you owe that day. Interest will be applied to your account once a month – by adding up the interest charges for each day and debiting the total from your account. Every month your statement will tell you what that figure is and when we’re going to debit it from your account. That way you know exactly what’s going to happen and when.

How do I repay the money I’ve borrowed and what repayment options do I have?
Whenever you borrow money there are two parts to the amount you need to repay:

• Capital – the actual sum you borrow
• Interest – the amount you’re charged for borrowing the money

You need to repay the interest as you go along but you can choose how you want to repay the capital. Essentially, you have three repayment options with the One Account...

Capital and interest.

• This is like a traditional capital and interest mortgage or personal loan – where you repay the capital gradually over the term of the mortgage or loan.
• If you choose this option with a One Account, you need to reduce the overall balance of your account down to zero by the end of the term.
• You do this by leaving money in your account and not spending it.
• Because there are two parts to the loan – the capital and the interest – you need to leave enough money in your account each month to cover the interest and to repay some of the capital.

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All loans subject to status. PLEASE THINK CAREFULLY BEFORE SECURING MORE DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.

Authorised and regulated by the Financial Services Authority.

Flexible Mortgage Broker is a Website of Select Mortgages and Loans.  Adverse Enquiries will be passed to Sunflower Loans.