Buying a new home should be an exciting time of your life - the start of a new chapter. But all too often it�s a lengthy, stressful and unpleasant experience. As if choosing the right home and sorting out the finance aren�t difficult enough tasks, many people find themselves under great pressure from all sides, with everything needed yesterday.

But it needn�t be like that. At the One account - from the outset - we aim to ensure your house purchase sails through with the minimum fuss and worry.

We make things simple. We make things clear. We let you know what you need to do and when you need to do it, keeping you informed every step of the way. And we�ll help you meet your deadlines - however tight. Here�s how...

Get a decision over the phone

If you�ve found the property you want, chances are you�ll have to move quickly to make an offer on it. And even if you�re still in the throes of house hunting, it makes sense to get an idea of the sort of finance you�re likely to get. That�s where we come in. Simply call us anytime and our team of mortgage specialists can talk through your situation and the level of borrowing you�re looking for, putting you in a strong position to make the next move.

A dedicated mortgage team

We have a specialist team on hand 24 hours a day, 7 days a week to deal with new enquiries from people looking to move home. They�ll be able to talk through what you need and when you need it. If you want to bounce a few figures around to see what you can afford or find out how we can fit into your timescales just call us.

A mortgage that�s flexible

We realise that purchasing your house is only part of the expense. The real fun starts when you move in - furnishing, decorating and getting everything just right. That�s where the One account comes into its own. Because it�s more than just a mortgage you�ve got the flexibility to release a little more of your equity - at the same rate as the rest of your borrowing - so you can turn your house into a home without breaking the bank.

A mortgage that�s simple

Let�s face it, shopping around for the right mortgage is a chore. You can get lost in a sea of jargon - cashback, fixed, discounted, mortgage indemnity premiums, redemption periods, application fees, arrangement fees - making it impossible to accurately judge the deals on offer.

The One account keeps things simple. One product, no deals, no hidden charges. And all the costs are upfront so you know exactly where you stand. That makes things easier all round - so you can focus on the important stuff.

A mortgage that will save you money

It�s common sense to haggle over the asking price of a property and it�s a great feeling when you get the price down. But many people then go on to choose the wrong mortgage - not realising that this could cancel out the savings made on the reduced price of the house.

The One account is the smarter way to pay for your home - it puts all your money in one place, so every penny works to reduce your mortgage and save you interest.

You can find a hundred companies who claim to offer you the best mortgage deal - but the One account stands alone as the best way to manage all your money.

Click here to start enjoying the benefits.

Some changes to the Virginone account are laid out below

The One Account Information

www.virginone.com - Virgin Company Information

When The Royal Bank of Scotland joined forces with Virgin to launch the Oneaccount in 1998, the two companies shared the same vision of what a modern bank should be.

Over 100,000 customers later, the Oneaccount is firmly established as the smartest way to bank in the UK. Consider this:

� eight out of every ten homeowners with a mortgage and borrowings of more than �50,000 would be better off with the Oneaccount.

� 97% of our customers are satisfied with the oneaccount service

For historical reasons on this page it is called the Virgin One account but it is now (September 2003) fully owned by The Royal Bank of Scotland Group and technically called the Oneaccount.

RBS 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.

Repay your mortgage years earlier

When you take out a mortgage, it�s not the rate you pay that�s important. What matters is the total amount of interest you pay over the time you�re borrowing. With the Virgin One account you use your income and savings to reduce your borrowings and minimise your interest payments. This could mean you repay your mortgage years earlier, saving thousands of pounds in interest costs.

Pay one low rate on all your borrowings

Because the One account is secured against your home, you pay a single mortgage-style interest rate on all your borrowings - whatever you use the money for. You can transfer across any outstanding loan or credit card balances and instantly slash your monthly interest bill.

Virgin Savings

Any money you have in the Oneaccount works to reduce your borrowings i.e. virgin mortgage, virgin loan or Virgin credit card interest, saving you money. This gives you a return equivalent to the interest rate you pay on your borrowings - that's more than you earn in any conventional deposit account. Because you�re using your money to save interest rather than earn it, there�s no tax to pay. The One Account is a current account as well - which means you�ve got instant access to your money at all times.

Make more of your income

Most people don't realise they're losing thousands by running their mortgage and current account separately. The smarter way to manage your money is to combine the two. That way, all the money that would normally sit idle in your current account works to reduce your borrowings. The Virgin One account calculates interest on your balance daily meaning you'll save interest even if you only reduce your balance for a few days. This can save you thousands in the long run.

Make more of your equity

The One account lets you get your hands on the equity tied up in your home at the same rate as your mortgage � up to the level of your facility, which could be up to 95% of the property value. So no more need for expensive personal loans or finance agreements.

Take complete control of your finances
The right way to manage your money is to put it all in one place. This gives you one balance that reflects your overall financial picture.

The One account keeps things simple. With the One Account their is no jargon such as - cash back, fixed, discounted, mortgage indemnity premiums, redemption periods, application fees, arrangement fees. All the costs are upfront so you know exactly where you stand. That makes things easier all round - so you can focus on the important stuff.

You can find a hundred companies who claim to offer you the best mortgage deal - the One account stands as one of the best to manage all your money.

The Oneaccount is a secured personal bank account with The Royal Bank of Scotland plc. Why not apply online now, save yourself the headache of waiting in a phone queue?

Click the link below and click I'm new to the one account, then click apply online and start a new application online. No need to phone them as once you have filled in the form online they will contact you on the phone within 24 hours :)

APPLY ONLINE FOR THE ONE ACCOUNT - MORE INFORMATION GO>>

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