Hi we are in the process of taking out a new mortgage with AIB. My husband has an exsisting mortgage with them in his name only for 100000e we are doing work with the house costing 85000 so we are taking out a new mortgage in joint names for 185000e...they have told us that the offer should issue before the end of June once i am back at work...sorry if this is a stupid question but if the loan offer is issued before July even if we do not draw it down until end of July or August will the refund from AIB be given to us in a cheque or wrote of the new mortgage..i know i probably sound so confusing am just wondering if you know what may happen thanks