To ask how you go about buying a house

[babykite]

I've just had my second child, I'm currently in a council house and they won't move me, I've tried looking into an exchange but nobody wants my area. So I want to buy a house, I was looking into the help to buy but the house people didn't say much about how it works.
Realisticly I'm never going to be able to afford it though I am? But aside from that how does it even work? How do you get a mortgage with bad credit?

It's not recommended I go back to work as I'm under the mental health team, sorry for the drip feed but miss is being an arse and I wanted it kept to myself. I didn't even want advice on working fs

Also, your concerns about room-sharing will not be an issue until many years in the future. We actually had three of us sharing a room until I was about 12. Then we moved and my two db's shared a room and I had my own. It was fine for us.

How did you expect to buy a house if you don't intend to return to work? How would you have afforded the mortgage repayments and prove to the bank your a safe bet for them getting their money back?

OP you do sound a bit naïve.

I know a couple who both worked and the kids had to share a room until they were both well into their teens. That's what happens when you can't afford things - you have to make do.

Right not I would suggest you work on your credit rating and look for work if you are able. If your partner has been u employed for a year that's quite a long time. Is there any way he could boost his skills ? Or could he join some agencies ?

It's not recommended for the time being is what I meant to say. My partner is trying everything to get a job and I've sat and watched him apply for 3/4 jobs at least every 2 days

Wait you don't intend/ aren't able to go back to work but want to buy a house in the future ?

I'm sorry OP but unless your DP gets a very good job this is unlikely.

What jobs is he applying for and what qualifications does he have ?

Warehouse work as he has done that for 5 years and knows the ins and outs of it, he has also applied for shop work, he used to work in a well known bakery
Doesn't have a license so can't do driving jobs

It is not impossible in the future at all but to be blunt the minimum you would need to get a mortgage would be both of you working full time and several thousand pounds savings. Probably at least £10k and another few k for various legal fees, moving costs etc.

My bestie shared a room with her brother until she went off to university. Not ideal but it's what her parents could afford. They were both working full time and more (they were teachers plus took on exam marking and night class teaching). They owned their 2 bed mainsonette. I know plenty of families now where the parents have professional careers but the children share rooms. I think you need to adjust your expectations, OP.

Christ some of you have no compassion. Yeah I might not be thinking in the right frame of mind, but who honestly does when they are battling depression and are 3/4 months post partum? Sure I'll just take my leaky breasts and infected scar tissue and pop off to work, if you were all so able to, I must be able to do it as well!

Sure I'll just take my leaky breasts and infected scar tissue and pop off to work, if you were all so able to, I must be able to do it as well!

you went from buying a house now, to buying a house in the near future, to buying a house in 12 years, from a new born to a 5 months old, from being fine and recovering from birth to depression to leaky breasts and infected scar tissue...

At least be concise!!!

You obviously aren't able to work at the moment. That isn't your fault.

But if you want honest advice - if your situation stays as it is, then it is unlikely you will be able to buy a house.

I'm afraid I'm a bit shit at emotional stuff so I tend to go straight to practical advice.

At the moment you can't afford a house purchase. In the future it may be possible if your DP has a good job or both of you work full time/ work out some kind of job sharing arrangement to bring in the £££.

Seriously don't worry about the kids sharing a room. It happens. It's often not idea but it happens.

I would really suggest your DP joins some agencies if he hasn't already - call centre work and so on can pay quite well and a lot of places provide decent training too.

I wouldn't of been able to share a room with my brother when he was years older than me it just isn't practical

Blimey. How come most of the houses built 100 years ago had 2 bedrooms and families would regularly have 10 children?

Nothing wrong with you not working at the moment with a baby and health problems. As PP have suggested maybe make the best of what you have at the moment (a secure council tenancy is much better than private renting IMO) and start planning for the future. Look at how much a three bed house is in your area and work out how much you need to save for a 10% deposit, and if you can afford it on the wage your DP can earn (look at mortgage calculators online). We have recently bought our own house after many years of private renting and it feels much better to own our own place. Just try and think a bit more long term.

Step 1 - DP gets a full time job. Any job.
Step 2 - DP uses some of the money he is earning to get his driving license.
Step 3 - DP takes his improved CV and driving license and finds a better paid job. And repeats until he has maxmised what he can earn.
Step 4 - OP increases hours working in her own business.
Step 5 - OP researches ways of increasing profitability e.g. libraries in my area have started offering courses for small business owners to improve on-line sales.
Step 6 - If the business isn't a go-er, then think about retraining and finding a different career path.

And then...when DCs are at school and nursery, really start pushing to build your deposit. How much do houses cost in your area? How much deposit do you need to aim to have? How much income will you have and how much monthly mortgage payments will you be able to afford [Clue: If you are struggling to save £100 a month towards your deposit, then you will struggle to pay £100 monthly mortgage.]

It is good to have a goal and to work towards achieving it. In the meantime, keep plugging away at finding other alternative housing. Make your own luck.

Op - am I correct in thinking that there are 4 of you - 2* adults, 1 3 y.o. Boy, one baby girl in a 2 bed house?

As your children get older you may count as "overcrowding". In England it when the younger one is 10 I think with opposite sex kids.

Re:- buying a house - as everyone has said - first step is (one of you) getting a job, sorting your credit, saving some deposit. It'll take a while but your kids are currently very small. There is no problem with (say) a 6 y.o. and a 3 y.o. sharing so you have time.

Are there supermarket jobs nearby? Tescos or similar in the evening a couple hours each day/ night to get an income in & your credit rating up? Once you get a job It's easier to secure a better position aftera while.

Since your dp is unemployed he might be eligible for free funding for a course at your local college to retrain. Actually both of you could be eligible so it's worth looking into retraining to improve your work prospects.

It's good that you have a plan to improve your housing & job situation. Plus it's good for your mental health to be prepared, it keeps the anxiety under control.

www.moneyadviceservice.org.uk/en/articles/cost-timeline-for-buying-a-property-in-scotland

jobs.mumsnet.com/jobs/

www.theguardian.com/careers/cv

www.moneysavingexpert.com/savings/lifetime-ISAs

babykite, no offence sweetie, but you need to open your eyes to the real world and get some proper perspective.

I suggest setting up a help to buy ISA, you can open it with up to £1000 and can pay in up to £200 a month. You get an extra 25% of your savings (and interest) paid to you upon completion. You don't need a deposit to buy a council house (our mortgage broker said) You could save for a year, apply to buy your house (once you've lived in it for 3 years) and use your help to buy isa for a bedroom partition/ loft conversion/ small extension for an extra bedroom. This is what we have done and are currently waiting for our valuation. We are going to partition the kids room for approx £1500 but am sure there are cheaper options. I never thought we'd own a house and I only work 7 hours a week although my husband works full time. Good luck

Just had a look at private renting, they are all over 800,how can anybody ever afford this

Working more than 10 hours a week between two people tends to do it.

Just because people are opening your eyes to the real world it doesn't mean they "lack compassion". How exactly were you planning on buying a house with next to no income? Were you planning on getting housing benefit to pay the mortgage? Because you can't do that.

Of course not, I don't even receive housing benefit so I'm not entirely sure where you are going with that?
I literally wanted advice on how to go about it, I got that on page one along with a complete kicking which feels lovely

But don't you understand that people who own their own houses WORK! They have jobs! Apart from a few lucky people who inherit. You have to work to buy a house.

Yes thank you, I got that. I wish my partner could find a job but it's not as simple as that, how many times