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07 Mar 2017

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“A home of my own.”

Funny how one sentence can be music to some people’s ears, but will instil the fear of god in others. That’s because owning a home has many benefits, but it’s also a big responsibility.



But how do you really know if you’re ready for that responsibility? Well, luckily, our subconscious sends us signals that reveal some home-truths about ourselves – it’s all in our little habits.

We’ve outlined the major signs that you’re ready for the responsibility, so if you find yourself nodding along to more than one of these, it could be time to make the big move.

1. You have ‘nesting’ habits

Nope – you don’t have to be pregnant to experience the strange phenomenon of ‘nesting’.

It can actually happen to any of us when we become a little restless with our current surroundings.

And what does ‘nesting’ look like?

You may have purchased storage boxes, and are as happy as Larry filling them with items that you found in interior design shops. Or maybe you’re taking trips to large Swedish furniture stores, sitting in readymade bedrooms wondering when this little nest could be yours.

This nesting habit can range from mild to the extreme. But it’s very real.

Have you bought anything for your home recently that doesn’t fit into your rented house? If so, you are getting ready to buy.

2. You need more space

You like the people you live with, and you have great craic most of the time. But is it too much to ask to be able to watch your favourite football team without getting slagged about their performance?

Sharing your weekly shop and sitting room with a bunch of your friends worked fine in college – but now you need more than one room to call your own. And you’re a little tired with the same parties, the same empty milk carton in the fridge, the same queue for the shower in the morning.

If you are starting to feel the college years are well behind you, it could be time to make the move.

3. Property and interior sites replace Facebook

Suddenly finding yourself scouring through pictures of houses instead of your Facebook newsfeed?

The moment you install home buying apps on your phone and spend more time on them than on Facebook, you’re getting ready to buy.

Using apps to look for properties is great to help you along the home buying journey. We encourage you to do lots of searches to learn about different areas, the type of home you’d like, and what to look out for when buying a home.

When you’re ready to talk about a mortgage, you’ll have a much clearer picture of what you’re aiming for and we’ll be able to give you the advice to get you there.

4. You’re saving like there’s no tomorrow

You used to jump at the chance of a night on the tiles – but now you’re turning down that impromptu Wednesday night out

Miraculously, you’re also waiting to buy those ‘must have’ shoes until the sales are on – or you might never buy them at all. Go you!

What does this mean? You are starting to take the idea of your own home seriously. Maybe you’re even starting to daydream about choosing furniture and the shows you’ll watch on the telly in your new house.

This is a failsafe message from your subconscious: you are ready to buy!

Thinking of applying for your first mortgage?

If you have identified with one or more of the above habits, you’re ready to buy.

The question is: how do you start the process?

The first step, if you haven’t already done so, is to set up a savings account to get into the habit of saving.

You can set up some time with an EBS mortgage advisor to talk about getting on the right track for a deposit and a mortgage. They can even advise you on saving account options and good habits.

If you want to know more about applying for a mortgage, a 30 Minute Mortgage Meeting with an EBS mortgage advisor will set you straight.

Get the ball rolling with our First Time Buyer guide. You can also use our mortgage calculator to find out how much you may be able to borrow.

If you have any queries about opening an EBS savings account, call 0818 654 322 or email info@ebs.ie.

EBS d.a.c. is regulated by the Central Bank of Ireland.

The content of this blog is expressed in broad terms and is limited to general information purposes only. Readers should always seek professional advice to address issues arising in specific contexts and not seek to rely on the information in this blog which does not constitute any form of advice or recommendation by EBS d.a.c.

EBS d.a.c. neither accepts nor assumes any responsibility in relation to the contents of this blog and excludes all warranties, undertakings and representations (either express or implied) to the fullest extent permitted under applicable law.


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