Moving whilst pregnant

[CrazyCatLady1993]

Hi everyone

I’m 25 weeks pregnant with twins. I originally planned on starting my mat leave first week of December. As the weeks have gone by I’m really struggling at work and from Monday my hours are going to be reduced so I have a shorter day in the hope I’ll feel less exhausted.

We applied for a mortgage in July/August time and it got accepted and we have the mortgage offer in writing etc. We still haven’t had a completion date, we are waiting on the management company from the leasehold to give my solicitors a response. This has been on going for two weeks now! There is nobody living in the property we are moving into and we don’t have a chain either as it is a family members property we rent at the moment. We are finding it frustrating that the other side aren’t hurrying things up because we just want to get settled before the babies arrive.

I’m really worried that it could drag on and the mortgage company will want more payslips etc and mine will show reduced pay because of reduced hours - if this happens I know they won’t give us our mortgage because they will say it’s not affordable (to us it is). Has anyone ever heard of this happening? Our mortgage offer has 6 months on it until it expires so we have until next year I’m just worried something will happen and throw a spanner in the works and we won’t have anywhere to live!

My mortgage broker does not know I am pregnant. It was never asked, but if it was I would have been 100% honest but as it was never asked why would I ever disclose that? But now I’m really worrying thinking it’s going to come back and bite me in the arse!!

There isn’t much anyone can say really but I was just hoping someone has any advice? Or even if someone has been a similar situation as me it would make me feel a lot more relaxed!

Thanks in advance 😊

I was in a similar situation. I've kept on two jobs since my ds was born because my dh has bad credit so mortgage needed to be only in my name (that, and I wanted the better mat leave pay for dc 2). I'll be only returning to 1 job after this baby though so it was now or never regarding buying a house.
Anyway, our flat sold within 3 days and the same day we put an offer in on a house we liked and it was accepted. The nect stage took FOREVER (it sounds like this is the point you're at) lots of to-ing and fro-ing from solicitors etc, so much paperwork and confusion over dates. Ours was also an empty property so delays were frustrating! But im happy to say that it all came together and we are in now (all be it living in a house that needs a lot of renovation!) I really hope it works out for you. I dont think the fact that your pregnant would influence the mortgage at all; you could have only got pregnant a day after moving in but as long as you can still make the payments thats all that matters.
Good luck, I'm sure you'll be settled in before you know it x

We moved house when I was pregnant and got a new mortgage. I told our mortgage advisor that I was pregnant and he said the lenders don't factor pregnancy into their decision whether to lend or not. They only take it into consideration once the baby is born. So I think as long as you move before your mortgage offer expires it'll be fine.

I hope you manage to move before the babies arrive! We moved when I was 37 weeks and 2 weeks before DD was born. It wasn't as bad as I thought. My advice is take/pay for as much help as you can!

Your mortgage offer should have an expiry date on it. You only need to worry if you haven't completed by this date. Also worth mentioning that if you were to go for a price reduction, the mortgage offer would have to be re-issued so unless something major comes up in a survey (which I'm assuming you've already had done) you've no need to worry for that aspect of things.
I'm 30 weeks and we are moving as well. We should be exchanging in a couple of weeks but our mortgage offer is valid until February (5 months from issue)

My advice is to be constantly speaking with both the estate agent and your solicitor. Solicitors can sometimes be bad at chasing up requests and enquiries they send and management companies especially can take a lot of chasing. The more the estate agent can speak with the vendor's solicitor, the more they will be reminded to chase up unanswered queries and nudge the management company. The quicker your solicitor gets the management pack through, the quicker they can raise enquiries and get you closer to exchange.

Probably best to clarify this with your lenders and get a clear answer and get the ball rolling on it asap