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I think it is all Personal preference. But if you do pay in cash though, dont tell the sale man up front.
In my Personal Opinion, I rather use that 27k to put into my mortgage. Because over the 5 years, the bank will usually make the most of 2-3k from your interests rate. But over this 5 years on your mortgage, the Bank will be charging you probably around 10-20k in interest rate. Depend on how much your mortgage is.
Breaking it down.
Car finance = 10-30$ a month = 1800 over 60 months ?
27k into Mortgage reduce 50-80$ a month, or even more, depend on you mortgage condition. The younger your mortgage is = the better (Young mortgage = within 7 years). This is 3k-5k. You are saving a few thousands here.
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