The All-In-One Loan is an integrated sweep checking account first-lien HELOC.
Five words doing a lot of work there. Let's slow down.
What it is
Brought to the U.S. in 2005 by CMG Financial, after decades of mainstream use in Australia and the United Kingdom. So no — not a new product. Just new to most Americans.
It's the first and only mortgage that fuses your checking account and your home loan into a single account. There's no separate checking account sitting next to your mortgage anymore.
How money moves through it
Every dollar that hits the account instantly lowers your principal balance. Your paycheck. Your spouse's paycheck. A Venmo from a friend paying you back for dinner. A birthday check from your parents. A tax refund. A bonus. The moment those funds land, your mortgage drops by that exact amount.
The money is still yours. You can spend it, transfer it, pay bills with it — exactly the way you always have. But while it's sitting there waiting to be spent, it's quietly paying your house off.
How interest is calculated
A traditional mortgage charges interest on a scheduled balance. A number set the day you signed, frozen on an amortization table for thirty years, completely indifferent to what's actually happening in your financial life.
The All-In-One does the opposite. Every night, the bank takes a snapshot of what's in your account and charges one day of interest against that number. Your interest charge for the month is the sum of those nightly snapshots — each one based on what was actually there, not what a schedule said should be.
A scheduled balance, frozen 30 years in advance.
Whatever's in your checking account today is irrelevant to the calculation. The schedule runs on its own track, regardless of what's actually happening in your financial life.
A nightly snapshot of what's actually in the account.
The bank charges one day of interest against today's real balance. Tomorrow, it does the same against tomorrow's balance. Your monthly interest is the sum of those nightly snapshots.
Why this matters
Every dollar in your account is a dollar the bank can't charge you interest on.
The buffer in your checking. The tax refund you haven't spent yet. The bonus sitting there until the holidays. All of it is silently paying your mortgage down for as long as it sits there.
Same income. Same spending. Same life. A completely different relationship with your money.
See what this looks like with your actual numbers.
A thirty-minute conversation. Your numbers.
Start the conversation Or open the calculator →The All-In-One Loan is offered through CMG Financial (NMLS #1820) and originated by EPiQ Lending. Drake Khamis, NMLS #2450364. Loan terms and outcomes vary by borrower; consult a licensed loan officer for details specific to your situation.