buy in as early as you can. pay off as much as you can afford and throw in any extra windfall cash you make to get ahead of that 35year payment grind, because if youre still paying off a mortgage youre fucked when you try to retire so it will really drag. if the rate ever drops renegotiate to that lower rate - then keep paying the extra amount in as extra off the principle, you werent going to miss it anyway. the sooner you pay the balance down the less (((interest))) you pay overall.
Australia