You'll find that all the accounts would be frozen in the event of death. Definitely talk to your bank about that. If your mortgage interest rate is higher than the emergency savings account interest rate and you don't get charged any fees (or very little) for redrawing, then I'd be inclined to stick it all onto the mortgage because you'd be saving more in the interest.

That book Kaz mentions is by Anita Bell. If you google her, it will come up. I agree she tends to be a bit anal about some things, at the end of the day it's how much you are willing to sacrifice lifestyle wise in the short term.