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@alexbavib You'd also need to take rental costs in the savings period into account. But my point was simply to alert OP to an access bond as an option. With OPs budget they'd be able to move into their own property faster and pay back the loan much faster than stipulated and thus save a lot...

@alexbavib Yes, of course, but isn't that a technical argument? The question isn't really about investing, but about buying a house. If I have a bond, I am always going to pay interest. But if I put my 100 000 into my access bond at 10 pct, I will be loosing less net than investing it at 5 pct...

@unbelievable I have an access bond. This means I "store" most of my savings in the bond account instead of a savings account. Thus I save on interest, but still have access to the cash, should I need it. Due to the interest rate on my bond, this is a guaranteed return of about 10 pct./year...