House or baby?

[Mushroo]

My DH and I are thinking about TTC at the end of this year. I’ll be 31 and he’s 35.

The current plan is to stay in our flat and move before we need schools etc. - the mortgage is affordable and we’re near parents for childcare. BUT the layout is really not great for kids - the second bedroom is on the ground floor and we’re in the basement (duplex) and I already feel uneasy about a baby being on a different floor.

the plan is to move in a couple of years, but should we delay TTC and move first? How is moving with a small child? We also don’t really have a garden currently which is another issue.

would you carry on TTC or move first?

Move now! They take into account your dependents etc when it comes to mortgage.

If you move now make sure re school catchments

@JuneJubliee - I meant rent out her current flat - not sell it, then use that income to help fund renting elsewhere, in the area they want to raise their dcs. (Friends who did this used it as a chance to get to know the area a little better and ended up buying in a slightly different part of town.)

Gives flexibility if the OP isn't ready to sell and buy a new house yet.

We moved when dd was just under 2 and ds was 8 months. It was a lot harder than it would have been without kids but that was because we didn't have family willing to have the kids whilst we moved and couldn't afford to get the removal people in. It also made it more difficult to decorate as we had to live in the house too, everything just took longer.

From my experience I would have bought the house first if I could rewind time, having said that I got pregnant within the first month of ttc each time so that impacts why I would make that choice.

It’s what our broker told us. Some providers are better than others. We ran our application through after one child with and without a child on a hypothetical one and it was about 25 k different.