That's an interesting question. You better ask the bank that, the guys working there definitely knows that better or if you don't want to ask the bank for help, you can use the advice from https://www.Doncastermoneyman.com, those guys know their job. It's a really confusing situation you have, so you better use some help. Hope you will find my advices useful. Can I ask you why you need that loan? I am paying a mortgage now, so I can understand you. Have a nice one my friend.