ok so i was speaking to my broker last week who said that if say 300k IP 80% lend. that if you had an extra 50k cash you could store it in the loan and it would be safe in the sense that the bank wouldn't look at you if you then say 3-5 years later took it out even if prices had dropped say 20% because it was your original loan. no re val needed. but if the property had gone up 20% and u did not put 50k into the loan and were trying to get equity out (the capital gains) that of course the bank would have to re-val it. is this correct?