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rive_gauche
At 50% LTV you can have a lovely flexible / offset mortgage where you only pay the interest on the difference between what's in your current account and the loan.
So if you have a house worth £500k with a £250k mortgage and £50k in the linked current account you only pay interest on £200k. If you then need to do the roof you take out the £20k and start paying interest on £220k.
Most lenders do them.
You need to be the restrained type though, else you'll end up with many, many bikes.