what do you mean loan service by the father? is he a mortgage banker?

Anyway,in your case here,i think the best package suit for you would be a flexi loan.
As you have RM100k in hand now,you may use it to help yourself to save Rm100k of interest.
With flexi loan,you can use the Rm100k anytime when it's nessesary or when you have a good chance for investment.
You can apply for a RM300k flexi loan,then put your RM100k to the same bank.
So the bank will only count interest base on Rm200k,but your installment will base on Rm300k.
And your Rm100k will be available for you anytime to use it. 

Or

You may also use the RM100k as down payment, so that you just need to get RM200k loan,
Then your loan interest will be count with Rm200k also,but your installment will lower as it count on Rm200k.
But if you do so,you will lost your RM100k cash liquidity.
If you need more detail calculation,feel free to pm or contact me.
If you need help to apply the loan, i can provide service from all major bank in Malaysia too,
I will be glad to help 

017-6100337
Onn

Since u have alot of cash on hand, by choosing Flexi loan will be able to help u save on the interest. You have the option to choose between Zero Entry Cost (bank absorb legal fees) and non zero packages with the latter have a better rates.

If this is your first house, you might want to take out your money from EPF Account 2 as well.