How am I supposed to buy a house?

[STANTER]

I earn 20k a year, I get some universal credit for childcare costs, I have 15k saved for a house (or I will do when the house I own with my ex is gone - aka he is buying me out). Banks are telling me I can borrow 95k. So if I want to get anything for me and my son that's even a tiny bit decent I'll need to save around 50k. I can afford monthly repayments. My income with CSA and universal credit is over 2k a month. Should I give up on the idea of buying a house? All I can see is help to buy but that doesn't look like a particularly good deal....

Please please dont let your ex buy you out without seeking some legal advice first.

If he is the father of your DC then you may well be able to stay put and without a realistic prospect of buying another home in the foreseeable future it's worth finding out where you stand.

Good luck

I've moved out of the property 200 miles away and have a restraining order against him. I dont want to live in the property. Too many bad memories of him abusing me. I am home with my parents now and want to buy a house here. I think I might just end up having to rent