Hello all,
Wow... what a response. Lots to read through and lots of various points of view which has been great and exactly what I needed so thank you.
A little update on where we are at as a family and what our thinking is.
Firstly, we didn't plan on having twins. They are a beautiful surprise. We were unsure if one baby would ever happen so two was a shock. Hence why I focused on a career and was comfortable moving away from family. Obviously, we would have had the same issues with one baby and child care and no close family. However, the expense and the worry about two babies getting sick, needing time off etc seems to feel less manageable than if it were just one baby... but I could be wrong. We are also on waiting lists for nurseries/childminders in our area and have been since pregnant, but there is a shortage and we are yet to confirm placements. I haven't looked at the option of a nanny, but will consider it.
We do have a very supportive network and family back home. Both sets of grandparents are very hands on and often visit us to help at the moment. They have even offered to take it in turns to come stay and look after the babies when (if) I go back to work. Whilst very generous of them, they have other family commitments at home and travelling to stay with us for 3-4 days every other week is unachievable and unpractical long term. Grandparents plus aunties/ uncles and childhood good friends would all be available to help out back home. Something I have discussed with them. I wouldn't want to rely on them all everyday all day, but I feel I have a back up plan at home should I need it.
After lots of comments, hubby and I looked at topping up my pension and NI contributions, if I decide not to go back to work. We have also looked at me having an 'allowance' which is separate from our joint account and would allow me a bit of autonomy and savings.
I don't know how I feel about this as it would still be relying on husband to 'give me money'. I've worked and earned my own money and been financially independent since my teens. Giving up that ability to earn just seems a bit alien to me.
I am slowly trying to change my mindset of relying on husband. It is a partnership and we both have our roles. Due to finances, it makes sense for hubby to work and provide and for me to reduce hours or pause working life for a bit of time to raise our babies. Perhaps this is just the way life goes when you have small babies and I need to realise I can't have it all, at least not for a few years anyways.
Lastly, the house. I get that lots of people have said to forget about the house. We haven't put a bid in yet and there's no way of knowing if we will get it. We need to sell firstly etc. It is a dream house in the perfect location which ticks all the boxes for us. Property is scarce where we come from, very rural and it would be hard to find a house like this again, although not impossible. If we get it great, if we don't the idea of the house and moving has certainly made us really discuss where we want to live, raise our family and the expectations we all have of work/ life/financial balance etc.
I am still to make a decision but I feel I am leaning towards moving home, house dependent. Trying to still work in some capacity such as freelancing (I never really considered this before, but definitely a viable option). I know I definitely would get work, it just wouldn't always be in my specialised field.
Also, just to note... Hubby is very supportive and hands on. He does his fair share of household chores. He probably cleans the kitchen better than I do and he loves a gadget so hoovering is his domain :)
Thank you all for your input. It really has been helpful.