M
Thanks for your quick answer norfbank, I thought that might be the answer I'd get. Would there be chance of getting any size mortgage? I'm paying €400 a month for rent now and it seems like such a waste.
Matty,
What's the rush! You are 24. Enjoy life for a few years before bogging yourself down with a mortgage. You have great savings in the bank which is fantastic. Just keep saving and if house prices come down some more you may be able to buy a house without a large mortgage, plus you will know where you stand with your job.
If you are unfortunate enough to lose your job, perhaps you might like to go travelling or work abroad for a while. Not stressing over how on earth you are going to make your mortgage payments.
Renting isn't dead money, as you have a roof over your head.
Are you getting the best interest rate for your large lump sum in a credit union?
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