Cheaper home or stretched

[Bells3032]

So we found a house this week we love. The road is the exact road I always wanted (the last house to sell on that street was in 2017) and the house is done up beautifully. We would need very limited work done which would be amazing. It's a tiny bit smaller than I originally wanted but still plenty big enough for two adults and two kids. We currently don't have kids but looking to ttc later this year.

Its about 150k below our top budget meaning we can take a lower mortgage and still have plenty of savings.

Obv anything bigger would stretch our budgets a lot further and we are likely to need childcare etc in the next few years.

We are currently chain free and in a good position as living in a home owned by relatives so not paying rent.

Would you to for a cheaper house thats slightly smaller than what you wanted but the perfect pitch or hold out for a bigger house that would stretch budgets and we can't guarentee.

If it’s on a road behind a school, then it might get very noisy at break times so that’s one thing to check out if you’re going to be around much in the daytime.

Personally, I can’t see the point in stretching your budget if you’re happy with what you’ve found. At this stage you can’t know with certainty how many children you’ll have and when. Might you want to go down the independent route for your future DC? You can always move up the ladder when you know what your life is like rather than trying to predict it now.

It's all a bit tight diamond shoes isn't it?