Mr. David Went:

However, the basic point ... the basic purpose of One Plan was to take a base level of mortgage loan and to allow the borrower a proportion over and above that within prudent LTV ratios. That was what the basic purpose was. So, for example, using the extension point you just made it was that, you know, you could take out a One Plan loan ... you're ... that would be ... you would have your core mortgage and then as you spent your money on the extension, you know, you could actually use ... you could actually pay for it yourself rather than having to come to the bank and ask for it.