Thoughts welcomed please - this is a really hard decision.
I'm 32 and married with a cat and live in a rented flat in London. We started ttc this year although no luck just yet. We are also saving to try and buy our own place.
Our landlord has told us he wants his flat back from 1 June. We don't have a contract - it's quite an informal agreement, he's a private landlord and a nice man.
I've found us another flat to rent (which currently has a couple with a baby living there) which would be perfect for us. It has a lovely garden and cat flap - cats are welcome! Private landlord but a long term let situation this time.
The problem is we also have my mum and dad around the corner who have a 5 bed house and can put us up. My DH wants us to consider living there to finish off our savings quickly. The Help To Buy scheme as it stands ends in December. So he feels like we could be missing the boat.
The problem is with my parents place is its not just them - my brother and sister also currently live there. The atmosphere is often strained and I find it stressful being round there. We lived there briefly before our wedding to save and my old anxiety / panic attacks flared up and I ended up on antidepressants again.
By the way, I really appreciate my parents offering to have us and realise how generous this is. We are fortunate to have this option.
It's just a time in our lives where we need our own space. I'm not sure if we could continue to ttc whilst living there.
Rental places where cats are welcome are few and far between. If you move back to your parents' house and it gets too much (which it sounds like it will) you will be stuck until you can find somewhere else to move out to - not to mention having to come up with a diplomatic reason to move out when you're meant to be saving for a deposit.
Your DH needs to be guided by you in matters of your family. Yes, you may miss the boat on the Help to Buy but you have other needs too - taking care of your mental health is definitely one, and a lower stress environment in which to ttc is another.
I'm sure you will get the challenge from your parents that renting is 'throwing money away'. You need to be united in the response along the lines that you need your own space.
If there is no way you can overcome the anxiety of living with your parents I would rent.
We have planned the set up our home so it can be split into separate living spaces down the road. The plumbing is there, we just need to put in the kitchenettes. Quite frankly once my kids have gone I don't want them back in my living space. Love them dearly but by the time they are in their 20s I will need a break.