not really any use but dont think you'd have to change credit unions just cause you no longer work for civil service! i assume you are making payments now by direct debit rather than directly from pay? I used to be member of revenue only cu and when i moved into general service, no pay deduction facility for that cu, so have to make direct debits! I would imagine though that even with affordable housing, the repayments would be cose on €1000 per month, assuming you are in dublin and even if affordable housing still in the region of €200k, so you'd be saving nothing by owning over renting! are you not entitled to FIS now that you are back to work?