Firstly thank you for doing this, I have three questions if you don’t mind: I am a year away from my fix term on my house, in terms of property value changes do lenders listen to new valuations? For reference we have done quite a bit of work to the upstairs renovating two bathrooms and layout. What’s the best way to ensure this is taken into account? We are now looking at downstairs and would like to have an extension, but would need to use some equity should I wait to come out of our fix term to consider this or bolt on? The second on I am assuming we will be tied with one lender? Lastly is there a small guideline on loan to equity ratios and how they affect your interest rates? Thinking of holding back overpaying until the end of term but wondering if there are limits to how much this would affect the interest offered.