Wanting to move

[Mum8929]

I am feeling really lost lately. Been struggling to feel happy for a while. I think part of the reason is when DH and I bought this house I settled and agreed to it because we went to view so many houses and couldn’t get an offer accepted. Long story short I hate this house. Every day I complain about it to my DH. I’ve tried decorating every room and making it feel nice but I don’t really like the area and it’s been two years and I still hate it. I’ve mentioned selling it and buying something else in a nicer part of town but DH says mortgage rates are insane right now plus we’d have to pay £8,000 to get out of the mortgage. I know it’s annoying but we can afford to pay this fee (we’ve got loads of savings). His rationale is that we want to have another kid I hopefully in the next year or two as my window is closing (I’m 35) and if we move it will take us ages to settle in. I also don’t know if I hate this area or just miss home and want to move back to Canada. Husband thinks we should have second baby here and then we can decide when mortgage is up what we went to do and it should allow us more time to know what we really want. Am I being unreasonable being annoyed that he knows I’m not happy here and him wanting to wait anyway?

I think you are being a bit unreasonable yes, especially because you’ve said you’re not sure whether it’s the house or that you want to move back to Canada. Early repayment charges + solicitor fees + cost of moving + the stress of moving house when you want another child imminently is a LOT for something that actually might make absolutely no difference at all because you’d still only be happy back in Canada. He is also correct that interest rates on mortgages are still high at the moment and so even if you got a different house for the same price you’d be paying more for it each month. How long have you got left in your fixed term mortgage? Presumably he just means staying put until the end of that rather than until your mortgage is fully paid off so potentially it could only be a couple of years anyway.

You shouldn't have to pay an early repayment charge almost all banks will let you port your mortgage to a new house (keeping that same interest rate etc) - you would just need to take out a new mortgage for any additional borrowing

you moan about the house to your husband every day?? Yes you do sound unreasonable. And this is coming from someone who is also not in love with her house and would like to move. However you need to look at this from a more sensible perspective (like your husband) rather than act on emotion.