All-In-One Loan
FinancingAn All-In-One loan is a first-lien mortgage that merges a checking/sweep account with a HELOC, so every dollar you deposit automatically offsets the loan balance each day. It is the US version of the “offset mortgage” that is common in the UK and Australia; CMG Financial’s All-In-One is the best-known example.
How it works. Your paycheck lands in the account and immediately sits against the principal, lowering the average daily balance on which interest is charged. You withdraw for expenses whenever you need to, so the account doubles as your everyday banking. The automation removes the manual “shuffle” of velocity banking — the software does the offsetting for you — but the underlying economics are the same.
Automation is not safety. An All-In-One carries a variable rate just like any first-lien HELOC, is offered by relatively few lenders, and still requires steady positive cash flow to help you. The convenience of a single sweep account doesn’t remove the rate risk — if Prime rises, so does your payment.
Example. A borrower with a $400,000 All-In-One loan has their salary swept in on the 1st. For the days it sits before bills are paid, it reduces the balance interest is calculated on. Over a month of income flowing through, the average balance is meaningfully lower than the mortgage would show — without them manually moving money between accounts.
See how it compares to other equity products in HELOCs & portfolio loans, and the method it automates in velocity banking.