We live in London and are first time buyers. We have three young children - 2, 4 and 6. We can only afford a two bed flat. It just what it is. We currently rent a two bed flat and don’t see it being a problem for the foreseeable future. The logic is we get on the property ladder and when we need more space as the children get older, we will have the affordability.
But the mortgage underwriters are asking about living arrangements for three children in a two bed flat. I’ve responded saying we currently have them sharing a bed room - bunk beds and a single - and the flat we want to buy actually has a bigger bedroom and we intend to continue with them sharing a room.
But I’m so anxious we’re going to get turned down. I know in Mumsnet world, every child has their own room. But this is our reality - we can’t afford to so 🤷🏻♀️ In terms of living, it’s not a problem for five or six years.