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That was my intial reaction as well, but the more I think about it - it wouldn't surprise me if the bank(s) drag their heels with this sort of thing. There's no real benefit or incentive for them to a) do it at all, and b) if they do come around - to do it fast. You need to apply in writing...

Try this one Daz…. “when ever the hell I damn well feel like! In fact, every time you ask me, I’ll tack on an extra 2yrs!" :D

Jeez, did you explain much about your situation Daz? If I was a MB and got a call from the likes of yourself, I'd be salavting and knocking your door down! :D

Very late in, but congrats Daz! Sounds like a fantastic plan, and surprisingly low risk by your calcs. Still looking forward to getting into commercial one day.