scribr, I dont have a house and that is one of the main reasons. I should have said that more loosley. that's the ideal minimum aim, because this course puts you in a better position for the future. I have a firm belieif that property prices are so over exagerated at the moment, im not buying.. I think there is major pain in the future for people that have borrowed large amounts and are near their limit. when the time comes for me to buy, I will not enter the market with less than 10% + costs. That will only be if I stumble across the right property at the right price. otherwise I will hold my aim for 20% +. If the only goal is to own a house, then much of what I said seem too painful and hard to achieve when it can be done with less up front cash. I look at things to try to provide as much financial freedoms as possible. therefore reducing costs to the minimum necessary is a priority.