It depends on how much the house that you want to buy is. You will need to put up 8% - 10% yourself. Lenders will give you a better rate if your LTV is lower.
The more you put up, the lower the debt that you are in, the quicker you can repay, be debt free.
I have never met somebody who regretted not having debt.
I wouldn't put it all in, keep some for emergencies.
Steven
www.bluewaterfp.ie