Worries

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Hi all,

Just looking for some advice if anyone is/was in a similar position…
I am 25 weeks pregnant, live in London and currently in a rented place , 1 bed flat, with my partner. We’ve been living here 2.5years and always loved it but since we discovered we were expecting we started looking to buy.
Everything it’s going slow and cannot find the right place and I now have the feeling we won’t make it before baby is born. I am starting panicking as this current place is quite small, will fit the three of us for the first 6months but I am then worried that when in maternity leave I won’t be able to get a mortgage.
Also the place is cold in winter and can suffer of condensation, which never bothered us before but the baby is due in December…
I just feel I would like to start prepare for the arrival but I can’t and suddenly feel sad :(
Anyone been in this situation before and can share their story?

Thank you so much

Have you thought about moving to a more suitable rental property?

We are also in a rented flat with the baby due in four weeks. We’ve offered in a flat and just had a mortgage agreed- I’m so surprised that you said everything was going slow because it seemed to me the market was really fast and we had to make a quick decision. We had a broker and like you I wanted to be approved for a mortgage before maternity kicked in. You still have time.

We won’t complete before the baby is born by the way, and that’s fine, but obviously we were very keen to get the ball rolling.

@SmidgenofaPigeon thank you for your response..

We did think of renting somewhere else but it would mean more waste of money and time... I said slow but I meant on our side, we saw lot of houses but cannot find the right one and never got to make an offer!

I am for your new flat and mortgage agreed! when are you planning to move there?

I really hope we will make it on time as it will make such a different... but I feel like we have so many deadline ( due date, maternity kicking) that it makes me anxious... finger crossed!

Yeah I know what you mean about renting. More moving costs, fees etc.

We are in London too and have seen the market go crazy obviously. We’ve gone further out. It’s not an ideal place, but I really feel as if we don’t get a foot on soon it’s not going to happen. We don’t have time to save any more deposit now with a baby on the way. We have no completion date yet but hopefully with the mortgage approval and survey done we will soon.

I know what you mean about setting things up for the baby- but don’t worry too much. You don’t need a nursery, the baby will be in with you anyway until the summer. You’re going to be their entire world! I hope you get something sorted though x

Used to work in mortgages, most lenders will still lend to you if you’re on mat leave, you’ll just have to provide a date when you are going back to work and how much you’ll earn. You’ll obviously need to make sure it’s affordable to you in the meantime too 😊 x

I can almost promise you won't have bought and moved into somewhere by the time the baby comes. We offered when I was 13 weeks and moved in the day after my due date (and ds arrived the next day).

So move on to plan B. Keep looking, by all means, but move forward to whatever is going to work that isn't relying on buying.

I feel for you - but honestly I think you'll be fine! The baby would be sleeping in your room to start with anyway, and much as it would be nice to be able to decorate a nursery and all of that, there will still be time. I'd look into dehumidifiers etc, but I'm given to understand that babies are a bit tougher than we sometimes think.

Thank you all for the kind messages! I think I will wait another month and then if we are yet to make an offer we will do our best to make this place as perfect as possible to welcome a little one x