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?

I didn't ever say I wanted to buy a house in the next month. It was always something I was just thinking of, wondering what the next step would be. I hope to god my partner goes back to work before the end of the year, if not I still WONT be buying a house if ever, for a while!!

He's applying for 2 jobs a day on average?

He needs to up his game. Either his applications aren't good enough - and he has enough time to make sure they're amazing or he's not applying for a high enough number.

Are.ypu applying for jobs OP? If dp.isnt working then he can mid the dc.

Sometimes it's easy to get mired in worries of the future. Your DD can be in with you for the foreseeable. Even when she moves into the room with her brother you have years before you have to worry about them sharing being an issue.

Even when it does become an issue you have options - partitioning their room, giving you and DH a sofa bed in the lounge to give the kids a room each etc.

Buying a house isn't on the table for now so don't stress yourself about it. Depression can lead to focussing on what you can't do/have sometimes, concentrate on what you do have if you can.

As my nana would have said "leave tomorrows woes for tomorrow, don't borrow trouble you don't need today"

Sorry op but it's tough out there. I went back to work when my kids were 6 months and almost 3. I also was breast feeding and recovering from a section. My DH worked full time too. We made it work. It's not easy but we have managed to save for the last year and have just bought our first house through hard work and saving. I also suffer from mental health and it's helped going back to the working environment.

I'm sorry it's so tough for you but look on the bright side. You and your dp are able to stay home and bring up your kids. Keep applying. Can someone help him with his CV? Have you got any close family near by. I mean this in a nice way but it was a bit silly to give up a job when the market it so tough. For 2 months your boy could have gone to nursery, childminder, friends etc. As then your partner wouldn't be out of work.
I hope your health complications get better soon

babykite I'm sorry to hear about your current situation. I work for a housing association in a support role and we are constantly working with people who need a bigger property. The housing shortage sadly means that they may spend years waiting for something more appropriate.

My advice would be not to give up your tenancy if you do see something bigger/cheaper locally for rent privately. Social housing tenancies and the security they provide are like gold dust (definitely in the south east where I am).
Keep a constant eye on the home swapper site (or Scottish equivalent?) You say no one wants to move to your area but often people move to be near family/jobs etc.
Always pay your rent - if you are in arrears most councils/housing associations won't allow you to swap.
Keep your house in good decorative order to make it more appealing to a potential swapper.
Housing Benefit - I don't know the Scottish benefit system but surely you should be claiming this if you have no paid employment?

If your partner is out of work are you paying rent from 10 hours a week ?

I'd have thought if your DP is job hunting he is entitled to housing enefot as well.

The Help to Buy Scheme does have a few different requirements that you'll need to meet to be eligible. Have a look through them and see whether you think you'd be able to manage it between the two of you. Here's a link to the Government site www.helptobuy.gov.uk/

You could start off with the Help to Buy ISA - for every £200 that you save in the ISA, you receive a Government boost of £50 (25% of savings) per month.

For more detail, I would look to blog posts etc. on the internet with examples about how people have used the scheme to afford a house - I had a quick search and found this one Help to Buy

well i was looking for a condo near ontario and as i have recently immigrated to canada and i was new there and didn't knew about houses that much. My friend recommened me this site because she had worked here before she got married and i was able to find home of my choice.

There are some calculators on www.rightmove.co.uk under property sales
Example
3 bed house price £178,000
Deposit £17,800 = 10% deposit
Interest £3.90% (interest will vary over time)
Time 25 years
Monthly mortgage £842
On top of this you would need to pay solicitor fees, moving costs, land registry, survey, other fees, house insurance
Plus monthly bills
The numbers will be smaller if you buy a part share/ownership in a property or if you live in a cheaper area
The numbers will be higher if you live in a more expensive area

I would suggest that your priority should be looking after your family and finding employment

You could bid on the council list to move to a property with another bedroom

There has never been a time where everyone owns their own property

I had the same question until one of my friends recommended a condo assignment resale on condoly.ca/.