First post! I've got a lot of answers from previous threads but I'm hoping for some advice specific to my financial position. Monthly in €1,770 Monthly out €200 rent €250 social (eating out/netflix/cinema) €40 lunches €20 prepay phone €10 phone insurance €520 Disposable income €1,250 If needed I could trim the social budget a little. Some months I earn bonus (around €2,000 a year it should be higher this year but my bonuses are never guaranteed so I have omitted them on mortgage calculators with a worst case scenario attitude) I have €600 savings and no loans (one credit card with a zero balance) I have a clean ICB report that shows all loans paid off on time. I am in permanent full time employment. My AIB current account is messy, withdrawals here and there, transfers back and forth to friends accounts when they've paid for something on their card out of convenience etc, it's looks extremely unorganised. I've been paying rent with cash which I've seen to be a bad move! I've since set up a monthly standing order for it. My parents have told me they will drop my rent to €150 a month to allow me save more for my own home (either very generous or they want to get rid of me!!) My plan/hope is to open up an EBS savings account and save €1,250 per month starting May. (€1,000 may be more realistic pending discipline!) For a home that will cost €100,000 (which I would look to live in and rent the second bedroom) When is a realistic time for me to apply for a mortgage? Should I arrange my wages to be lodged direct to EBS? I'd like a mortgage that I could pay extra to each month with a view to greatly lessen the 30/35 year term. Any advice is greatly appreciated! Please ask any questions that will assist in more accurate feedback advice!