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At the end of day money is money, doesnt matter where it comes from, only situation where I see that might be different is that you rocked up to the negotiation table telling them you will pay CASH and have suitcases lined up. Going off a standard contract, even if you gave them 40% deposit...

Get an offset account. Use the minimum deposit possible and get the biggest loan possible. Set the loan up as interest only. Park the excess funds in the offset account. Therefore you will be only charged on the difference between the loan the offset (which is the same position you...