AIB stupid? House deposit in bank but struggling financially

[LadyHonoriaDedlock]

Any advice gratefully received as I am rubbish with finance!
After divorce, I have my share of the family house, £50k, in a fixed term saver account. This is meant to be my house deposit for when I can buy.
However, according to mortgage calculators online, I could only afford a house of up to £156k. I'd need at least three bedrooms as I have three kids (two can share) which costs at least £200k round here.
I'm struggling to pay the rent each month and am starting to feel a bit stupid, having that much money sitting in the bank. Should I withdraw some and have an easier life, or keep it in the bank and hope houses become affordable at some point?
Thanks for reading!

There was a woman here on MN who had a similar problem just a few days ago and she managed to get a mortgage for more than she thought. Best of luck, OP.

I was in a similar position after divorce, rented for six months then bought a two bed just to get back on the ladder.

Can you move to the outskirts of your area if it is cheaper? I can get much more for my money in a neighbouring town which I will consider in a couple of years as we are struggling for space. Still worth it over renting though. Plus you have to think long term eg when you are retired.

Definitely speak to a mortgage broker!