You are working hard to keep up repayments on your mortgage. You might also have other loans or credit card bills to pay. The One account, the sponsor of this review, is a new financial product designed to help you better manage your money. By bringing together your mortgages, current account, savings, loans and credit cards, the One account can help you make your money work more efficiently and reduce the amount of interest you pay on your borrowing. With the One account, you only pay one low mortgage-style interest rate on everything. Also, whenever you have some of your monthly income left in your account, it is counted towards your mortgage debt and you end up with paying less interest. The One account allows you overpay, underpay or even take a break from your payments if needed. In my opinion, different people have different financial needs. The One account complements other mortgage products in the market place. With a clear target segment, the One account will have a promising future.