Ellie Donnelly: I'd like to be like Orla, Bank of Ireland, but the rules don't necessarily apply
Move back home with my parents and save for a mortgage like Orla and her boyfriend? Sure Bank of Ireland, no problem I’ll do that straight away.
My parents live an hour and a half – in good traffic – from Dublin, as I work and study part-time in Dublin, moving back in with them to save for a mortgage is not really an option.
And nor should it have to be for me or any other person of my generation.
Also, if I was to move home, my parents, much and all as they love me, would not be impressed. After raising four children they are very much enjoying finally having their house to themselves again.
While I have a good relationship with my parents, such a move back in at the age of 30 would inevitably put pressure on the relationship and certainly lead to tears to say the least.
And what about people who are estranged from their parents or whose parents have passed away, where exactly does Bank of Ireland think such people should move to?
This is not some "poor me" pity party. I work hard, while putting myself through a masters, and I would love to get on the property ladder in Dublin.
But the facts simply are that the country is going through a property crisis, where a lack of supply has seen apartment prices in Dublin alone increase by 10.6pc in 2017.
It frustrates the hell out of me that I am paying someone else's mortgage but a quick look on daft.ie today showed that there were just 17 apartments for sale in Dublin city centre for under €200k. I'd be a long time living with my parents before I could afford the 10pc deposit required for such a purchase.
And that's assuming that the properties sell for their asking price - many don’t.
A one bed apartment in a complex where I am currently renting two years ago sold for €99k, it was put up for sale again this year with an asking price of €220k. It eventually sold for over €280k – it will take more than giving up the smashed avocado for me to afford that.
In addition, rents are rising all the time, reducing people’s ability to save for a mortgage.
And there are hundreds, if not thousands of people, in a similar situation to myself.
When contacted by Independent.ie a spokesperson for Bank of Ireland said today that the ad wasn't intended to cause offence and wasn’t intended as advice for customers.
"We’re focused on supporting first time buyers at all stages of the home buying journey and our MortgageSaver product helps first time buyers who are saving towards a deposit," the spokesperson said.
However in my opinion for Bank of Ireland to produce the ad that they did was offensive, lazy, and showed a complete lack of understanding of the issues facing myself and fellow millennials as we try to get on the property ladder.
What the bank needs to understand is that we don't all have the option of having our parents bail us out. Of course, Bank of Ireland, you didn't need your parents - you just got the whole country to bail you out.