Hi forumites! I have a scenario I cannot find the answer for and it may be simple or quite complex, everyone has different ways of learning so please go easy -So you have a property worth let's say $450,000 for arguements sake. -You have paid it off in full so you owe nothing on it and the funds are in offset if needed for access. -After a bit of time, the value increases from $450,000 to $500,000. -How do you use the $50,000 increase without owing the bank? Is that possible? Considering you do not owe them a cent beforehand. -Is that a refinancing issue then you would owe the bank for the setup? -Would you be drawing down any of the $450,000 therefore owing interest? -I'm talking for the purpose of using the increased value figure to reinvest -Could anyone enlighten me?