@Tony *********
that's their plan.
currently 800k in 1 bank and setting up a 65k monthly transfer at a different bank to utilise after a year.
that's what I'm doing - am at month 3 on the 65k deal so by the time my extension is due I can use either.
if the IO accepts the 65 deal then I have 800k of fun money I won't need to keep locked up.