Mortgage loan or collateral loan

Dear Experts,

Need some guidance on clarity may be on 
1.Mortgage loan is the same as collateral loans or as Top Up loans 

2.Can a individual take lumpsum amount after he as got his collateral loan from bank

For example -I mortgage a house for say 40 lakhs and would i be able to use that money for my personal usage

Or even if i take a topup loan on my existing home loan or my home repair loan ..can i withdraw that money and use for my personal usage ?

Thanks

Ramesh