Hello friends, quick question about loan top up as i am getting mixed messages from the lander (bank), My loan on my PPOR is ~ 60% and i want to increase it to 80%, same P&I. My current repayment is let say $3000 per month that didnt change from the original borrowing of 80% (i.e. just fluctuated with the changing interest rates. Will the bank just add the extra $ into the same loan account for me to use under same repayment with a new 30 year term, or will that be a separate loan and the repayment $ will increase? do i have a say here or its a standard procedure? thanks!