Cityslicker,
If you have a property and are looking to set-up something like the Virgin One account. Don't. Woolwich / Barclays have a much better offer through their Open Plan mortgage, does everything that Virgin could and more. Plus you could look at a starting interest rate @ 2.9% (but only if you contact me by e-mail, as its not something avaialble through the high street). I am a broker with a large city company who specialise in this sort of area, e-mail if you want any details. As I don't think this is the forum to go into too much detail, unless WWW or Scroggs don't object? I have no problem helping out Wannabes looking to sort out their finances, at no brokerage cost from me (unless you can refer me to a training captain! in which case I will accept the referral as benefits in kind
)