NC for anonymity. I am looking for opinions on these two scenarios for my family's house moves in the next couple of years.
Context is we are youngish, newly married and I'm pregnant. DH works in Canary Wharf though might be moving to the city, and he works long hours. (That's another story!)
At the moment we live in a practical flat we bought to get on the housing ladder. Property worth about £550k. The area is convenient transport-wise (think Stratford ish area) but not surrounded by much green space, and without much community spirit. It's been great living here for the last few years as a young couple. However, we don't know any of our neighbours and I really want to be able to walk to a green space with my baby rather than get the tube. I am also starting to think a sense of community would be good for me as a mum who'll be doing the lions share during the week.
Considerations / priorities then are access to excellent green space, schools and proximity to DH work to cut down commute time. The commute time is particularly relevant for the next 5 years or so. Thereafter DH should have been promoted sufficiently that his job will change and commute times won't matter as much (so we'll be able to live further out).
So with this in mind...
Option A:
We don't stretch ourselves too much, and just move like for like (to another 2-bed flat) but to an area with good green space, nice primaries and good sense of community for me and a quick commute for DH Eg Blackheath, Maze Hill, Vanbrugh Park. I've seen decent 2-beds for 5-600k. This option supports our lives for the next 9-10 years while DC is small and keeps commute short whilst helping us have good quality of life at weekends with access to the Heath and lots of community stuff. I'm drawn to this option because we would keep our outgoings the same, and not stretch ourselves financially.
This option would mean once DC is in Year 5(?) we would need to look at Secondary school situation and likely move to an area with better secondaries, eg Alexandra Palace, Twickenham, Barnet or further out. By this time we would (hopefully) be able to afford a bigger home. (I should add we are not sure if we would have a second DC, but we are cautious due to finances, our relationship, climate change etc. However if we did then 2 DC could share bedrooms up until this point).
Option B
We think about the secondary school situation as early as now, and with the next move we position ourselves to move to those areas instead. This would probably mean stretching our budget and spending a bit more, eg to live in Richmond borough, but then we would be making roots in an area where we anticipate the DC would go to secondary school. We might need to upsize the property later on but at least we would be in the right area. DH commute would be longer with this option, but we would be thinking ahead to 11 years time.
So in a nutshell, do you think it unwise for us to move somewhere to make the next 10 years better, or should we be thinking more strategically and looking ahead to secondary already?