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Makes home given time in Scottish loch (5)

Ross

I believe the answer is:

nests

I'm a little stuck... Click here to teach me more about this clue!

'makes home' is the definition.
The definition and answer can be both to do with fundamental existence as well as being verbs in their -s form.
Perhaps they are linked in a way I don't understand?

'time in scottish loch' is the wordplay.
'time' becomes 't' (abbreviation).
'in' indicates putting letters inside.
'scottish loch' becomes 'ness' (I've seen this before).
't' placed within 'ness' is 'NESTS'.

'given' acts as a link.

Can you help me to learn more?

(Other definitions for nests that I've seen before include "Places to rear the young?" , "Eyries" , "Tables made to fit closely together" , "Settles comfortably into, as birds do" , "Sets of small tables that fit closely together" .)

I've seen this clue in The Sun.
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