Thanks guys. Sorry yea I appreciate it is a bit vague. Yea I guess I am just trying to figure out if it will make much difference taking out a mortgage for 220,000 vs a mortgage for 170,000. Should I just take out the bigger mortgage, and keep the money I was going to use for the deposit in investments? Or should should I take out as small a mortgage as possible, and use all the money I have for the deposit? I won't need much money for refurbishments etc. And I don't have any dependents or other financial commitments. If I just take out the bigger mortgage is it possible to pay it off quicker with a number of lump sum payments? Do you get punished for this? Thanks