I realise the banks don't care, they're only after one thing and it aint your well being. I realise the extra *whatever amount* is a drop in the ocean but then you're paying interest on that amount for the life of the loan. I don't know about you, but I don't want to be paying a gearbox off in 15 years time. lol.
It's the banks money which you're paying back. Redrawing for stuff like extensions (when renting it out) or to purchase shares, yep totally, as that's tax deductible. To pull out for a gearbox, you'd have to have rocks in your head.
Hurry up and screw some boost into yours will ya