Bad experience. I won't use again.

I filled out the very detailed application form that took me a long time to complete.

I spoke to one of the L&C's mortgage advisors and she asked me how I intended to spend the equality that would be released from the re-mortgage.

I answered that I did not have any plans on how to spend it. WRONG ANSWER.

Apparently it's not allowed, banks won't lend on this reason. Fair enough I thought. I said to her I'd go away and decide how to spend the funds. She said "too late, you've already told me you don't know - you're not allowed to decide now"

So that's the end of that one. Such a waste of time!