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i was also worried about them finding out and mayb foreclosing/ calling in the loan,but i suppose its not like they are going to drive past and check!

hi,thanks to all for your replies,i have the money in an offset account,its been there for a few months,so i can basically do what i like with it,but yes that was my concern,them pulling the off set amount,particularly as i am going owner builder.im not sure what they will do if they find out...

I am wondering if I need the banks permission to build my DA approved seperate house on the back of my current PPOR? I know I should however I have been told by my mortgage broker and friends who are in the finance/property business not to tell them until after the property has been built...