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This is for topup, yes, but I now have many subaccounts for each equity release, it become unmanageable. In Sydney, it's not uncommon to do topup/equity release every 6 months in the last 24months.. Not sure banks have view that there are too many accounts and it become costly for them to...

What's the guesstimate on what the banks will do on your 'discretionary discount' for topup finance (with same bank) or refinance? If banks attempts to take away your discretionary discount when you try to access equity, I would think alot of SS member here will be sitting on their balcony...