Quick query re mortgage top-ups

I'm getting my house renovated at the moment & as is typical in these situations we run over budget.

I need to get about €10k from somewhere & was thinking of just topping up the mortgage.

Is there much admin involved in this or is it just a matter of ringing my branch & organising it?

Mortgage is an Ulster Bank Tracker if it makes any difference.

Thanks.

Answering own question.....
Ulster Bank have a minimum top-up of €20k so it's not an option anyway.

Might go down the personal loan route.

you could drawdown on €20k, then repay €10k striaght after. Same difference. J

Jonathan.OB said:

you could drawdown on €20k, then repay €10k striaght after. Same difference. J

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Make sure there isn't any penalty clause if you're doing this. A quick call to the lender should be able to confirm this but read the T&Cs just to make sure.