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So I could get a top up loan, and draw from it as I need the funds?

It's not a power bill. The whole suburb is changing from overhead powerlines to underground power, and being billed over 4 years by the council. ($1000 per year, $4000 in total)

More info: Already I have a (top up) loan borrowed against equity in another property (property 1) for $100,000 and another top up loan for $20,000. Then I sold the second property when it doubled in value and all but paid out the loans + a I have a redraw on original property of $50,000 (which...

I have a variable loan,interest only with a bank for $200,000, value of property is a lot higher. I want to borrow money for: underground power $1000/year over next 4 years due with rates carport (possibly build within the next year or may not bother) $5000 new fence/gates $3000 - $5000...