I have always rated Natwest Bank as a market leader. I have banked with them for the past 20 years and have never had any complaints. Recently my husband and i decided that we would enquire about changing our existing mortgage to one that would offer us more than our current one. We made an appointment with the mortgage advisor at our local Natwest Bank and was very impressed with the advice we got. The advisor recommended the "Natwest One Account" which is a mortgage that is linked to your savings, similar to the Virgin one. The advisor completed all the paperwork with us and organised a surveyor. We have now had this mortgage for about six months and cannot believe the time we have already reduced our mortage term by. I would recommend this type of mortgage to those that have their salary paid into their bank accounts and that manage not to spend it all in one month! This is because the amount you leave in your account assists in reducing your interest. When the statement comes you can see clearly how much your mortgage has decreased by and it advises you how many years you can reduce your payments by if you continue to pay whatever you are currently paying. It clearly shows you how much you can borrow, if you need to, but to be honest, when you see in black and white how much you are saving you leave your money where it is!