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One Account - Newbie Question

Hi everyone! 1st post so be gentle with me! :D

I have just started 1 month ago a 'mortgage only' with the one account where the monthly d/debit is coming out of my natwest account.
My house is 125k and mortgage is 118k for 30 years at a rate of 6.24% for 2 years then 6.8% (variable) paying £731 a month.

I was contemplating joining the full one account (transferring all card/bank details accross) so i could access info online and pay extra off my mortgage (around 100 extra a month). Since my mortgage is 95% i was told by an advisor that rate would be 7.2% but my monthly payments would stay the same (confused, he mentioned something about £622 interest and miniumum £109 capital payment a month)?

Is it worth doing this or should i just stick with the deal im on at the minute and make extra payments (if and when i can) through my natwest account to the one account?

I dont have any additional savings but dont have any credit card debt or loans (except mortgage:D !)

Thanks in advance people.
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