Thank you for your reply, I have requested funds but the bank just won't come back to me... being told its with an u/w, unprecedented times etc... just got a reply today saying the credit dept want to know what the funds are for... is there a wrong answer here(!). I have two projects ongoing and can use the funds for either doing up my house (new bathroom/kitchen) or helping to purchase an investment property (top up our lump sum) which do you think would the bank prefer me to use their funds for?