Something Different in Mortgages

Have you ever heard of a mortgage that you have less principle than you really have when it comes to paying interest? Well you are about to. With a One Account Mortgage apparently they give you a bit of a break if you actually have a cash reserve. With the money you have sitting in the account they offset your mortgage balance with it and only charge you interest on the difference between what you owe and what you have in reserve. Nothing I've ever heard of before, but surely it is something you would want to check out I think. From what I read they also have some sort of way to take a break from payments when money is a bit scarce as well. Not sure I understand it all real well, but it sounds great.