We bullshitted the bank to free up funds when the kids were young and we were in a bit of a fix. Gave them a fictitious list of improvements and costs and that was that.
Same for me (giving bullshit) and the key phrase was "plus contingency" apparently. Only problems might arise if they loan on the condition that work is completed.
Which happened to my sister's Sister-in-Law.
We bullshitted the bank to free up funds when the kids were young and we were in a bit of a fix. Gave them a fictitious list of improvements and costs and that was that.