Azid Rush, I work in treasury & this has been a point of argument a few times. Excluding the 20% deposit & actually getting a loan etc, etc is it better to. -Use your home loan to finance other purchases like cars because as a retail investor its the cheapest form of funding. There are loans in the market that will let investors pool all their income into the home loan account effectively enabling them to draw down to use as funding going forward BUT...... -Do you want to be paying for your car & other purchases that wont have relevance in 10- 15 years time? Anyway My 2 cents rounded up to 5. Regards TUFXRT6