If your reason for asking whether to buy now or later is just to save on interest, I will buy now, then dump the 20k into the house loan in 2025.

In fact, no need to wait till 20k... can put into the house loan account as the money comes in. There are full flexible and semi flexible loans to choose from, each with its pros and cons.

Thank you for the info. I will put my time to research further about the 2 type of loans. Really appreciate the info.