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It's all about expectations...what you think may not be what happens, but you plan like it is anyway, right? I am thinking maybe there is a property that you see potential in, but you have to put through with a few initial years of low growth before you can realise the high returns in the long...

If the buyer expects property to slow in the next 5 years say, wouldn't this be a better option than borrowing the 20%? I haven't calculated this, but if within the 5 years the increase of the property is on average 5% pa, but rates are at 8% pa, wouldn't it make more sense to pay the 40%...