The All-in-one mortgage is a kind of mortgage loan that gives the combined feature of a home equity loan, checking account, and a mortgage to allow the depositors to reduce the amount of the interest paid on their respective mortgages. Any kind of deposit made towards the portion of the savings account for the all-in-one mortgage is directly put toward the payment of the mortgage, but still, instant liquidity is achievable because cash is possible to be withdrawn in the form of home equity loan.