We went 100% finance to get our house, the only way we could. Yes, our mortgage repayments are higher than normal, but that's for short term (and was a bit longer because we fixed them for five years). We're looking at refinancing early next year and are anticipating that our repayments will drop by around $100 per week. But by doing it when we did, we bought our house and land package for $249,000 in 2006. House and land packages (off the plan) are now selling around here for $350,000 and our house has been valued (without being seen) at around $380,000. So yeah, no regrets from us. I'd jump in as soon as you can to get the most return.