I am hoping to apply to SDCC shortly but am currently repaying a loan at a rate of 500 euro per month. I am also setting up a direct debit to the credit union of about 90 euro per week. The loan will be finished in May and I am wondering, if I apply now, if the council will accept this as proof of ability to repay a mortgage in lieu of me currently saving a significant amount? Once the loan in completed I intend saving that amount as well. I am also paying 130 per week in rent. Should I wait until the loan is paid off and I can show savings or can I apply now? Any advice would be very welcome!