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im looking at getting a loan and not sure whether to got Interest in advance and pay over the minimum or just normal principal interest loan? it is for a block of land ($118000 loan) that i will build on as my ppor, want to pay 400 fortnightly or a little more while saving a decent deposit for...

IOIA or normal loan? im currently looking to buy a block of land and build on it within 6 months of owning it as my primary place of residence and am not sure what loan to go for im looking to pay approx 400 a fortnight while saving a deposit for the building, any ideas, thanks in advance, wade