A larger down payment directly lowers your mortgage size and overall Real Estate borrowing costs.
Paying more upfront reduces long-term interest charges and may save thousands over the loan term.
Smaller down payments increase total repayment amounts, even when monthly payments appear manageable.
Home-buying programs and incentives can help first-time buyers accumulate larger down payments.
Planning early and minimising debt improves affordability and strengthens your Real Estate investment position.
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