Saturday 23 September 2017

'Saving the deposit is always going to be tough'

Dan Adderley and Liz Fagan at their new home in City West village, Dublin 24. Photo: Mark Condren
Dan Adderley and Liz Fagan at their new home in City West village, Dublin 24. Photo: Mark Condren
Independent.ie Business Desk

Independent.ie Business Desk

First-time buyers Dan Adderley and Liz Fagan bought a three-bed house in Citywest Village, Dublin 24 for €300,000

Dan: "Liz is originally from Tallaght, so we were looking around here for a while. We saw the big sign for this place, and we were emailing Sherry FitzGerald every couple of days. We got the email just the night before the launch - it had gone into my spam folder. By chance, I checked that folder at 10 o'clock at night. We hadn't seen any photos of the inside of the house before that - it was the first time seeing the inside. We had our money and our approval ready to go. It's important to have everything ready."

Liz: "We knew we definitely wanted the kitchen and the living room to flow. We knew we didn't want a three-storey house."

Dan: "We had looked at three-storey houses, so we knew the layout we wanted. It is tough [saving the deposit]. For two years, it's going to be tough. You just have to do it. A couple of times we said: 'Will we go out for a couple of drinks or out for dinner?' and then we had to stop ourselves. You have got to be strict. Make yourself go and do a big shop every week rather than going to the shop every night. Bring your lunch into work, stuff like that. The Help-to-Buy scheme couldn't have been more straightforward. You do it online. We had a solicitor who was recommended to us. He was close to both of our workplaces so we could nip out at lunchtime."

Liz: "When we knew we were getting the house, when we put the deposit down, we started buying something big every month, just so that we had all the basics. Even the likes of a couch can take a couple of months to arrive after ordering. So if you know when you're going to be moving in, go ahead and do all that."

Dan: "We bought them from EZ Living Furniture, and they kept the couch and the bed until we were moving in."

Liz: "You can't move in and expect to have everything all at once."

Dan: "You're not moving into a showhouse, it's not like that. We're realistic. But we're getting there."

Sunday Independent

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