Lol you're the first ever person that I know who cares about banks money
The banks would not care as 20K over 500k is a drop in the ocean over the term of the loan
All the bank care about is serviceability and security and as long as you're LVR is in check they will make sweet love to ya t'il the end of time lol
I have a redraw facility (haven't used it yet nor that I want to)
But it's smarter to have just in case rather than using a cc facility
But I do agree with you (except for caring about the banks money )