I am needing advise as to which to pick, the monthly payments are approximately the

same, just the 100% bond is at a higher rate.

I have been offered a 100% bond at prime + 3.5%, and a 90% bond at prime + 0.9%. I will need to take out a 10% personal loan which will most likely be in the region of 22%.

Does it make sense to take the 90% then flatten the 10% loan, so that after 2-5 years

the rate on the home loan will effectively be prime + 0.9%.

By taking the 100% bond that is committing to prime + 3.5% for the lifetime of the bond, over prime + 0.9% if I take a 90% with 10% personal loan.

Any suggestions to this poor first time buyer?