The Abbey National Personal Plus does everything you'd expect.
Switch now to a Halifax account that pays 30 times more interest than most high street banks
Nationwide loans could save you money. One great rate of 6.7% APR for all personal loan amounts
Over Payment Only Mortgage
There are now semi flexible mortgages on the market. These have much lower rates than most offset/flexible mortgages. To obtain a personal illustration from one of these products click on the link