So I've recently split with stbxh and am currently staying with family while I wait on him selling the house we previously lived in.
I really want to get a mortgage using the money I'm entitled to from the sale as a deposit so I'm not putting all of ds inheritance into renting (plus this would cost me more each month). However, my car is starting to cost me a lot to maintain in terms of repairs so I'm now considering whether I'll need to get a new (second hand) one in the near future. I've almost paid off my credit card (it'll be clear completely in about 2 months), my credit rating is very good and I'd say the sale of the house will take another 6 months or so (very) roughly. But I've tried doing a decision in principle and with a HP car cost of £150 a month as well as nursery costs (even though uc pay 80%and its only for 3 days a week) I'm being told I'd be declined for any borrowing for a mortgage. I earn about £37. 5k at the bottom of my pay scale and as family are being great and putting me up for free, I'm in a position where I can save a lot but I'm also worried stbxh would be able to take from that when we finally divorce officially.
My main concern is making sure ds is financially secure as stbxh will likely stop contributing if he loses his job soon so its all on me to provide.
I know there is a cost associated with a financial advisor and I'm wondering if it would be worth it. I can stick well to a budget and be frugal but I also feel like I can't see the wood for the trees in terms of a clear plan on how to set us up as well as possible, to protect my assets and be in the best possible position to be approved for a mortgage. But I also don't want to waste the money I do have paying for someone if its not going to be a good use of my time/ money.
Any advice on the financial advisor or in general?