The flexibility of the Money Merge Account works both ways. It's not just a vehicle to quickly repay your mortgage. When money's tight (e.g. if one income disappears temporarily as a result of illness or loss in job), then the Money Merge Account enables you to use your increased equity build up to pay for the daily or monthly costs you incur until you are able to get back on your feet financially. This way, you know you’ll get back on track, come what may. We've got a dedicated team of account managers on hand to talk through your options. You'll also be able to use our online service to run a tight budget. It will let you analyze where your money's going, plan your entire spending for the month, and work out what you'll have left over, as well as set longer term plans for repaying your loans.

The key thing is that the Money Merge Account gives you the financial flexibility you need to adjust to changes in your lifestyle - in a way that's right for you - without having to worry unnecessarily about unknown consequences.