Stressed - trying to move..

[AlexisP90]

Hand hold please. Deep breathe...

Need to move areas. We have a 2 year old DS and I want to be closer to family. Feel very isolated. We have our house about to go on the market for more than we paid and confident it will sell. All good.

Here is the kicker. Since we took this mortgage out my partner has gotten into debt. Credit cards while out of work for a spell. About 7.5k. He has stopped payments for a while for whatever reason and fucked his credit score.
Mortgage advisor has said it may now be hard to port our mortgage but will speak to our lender. I am gutted and feel sick.

And here's the big kicker. Just found out I'm pregnant.

Anyone been able to port a mortgage with one applicant with bad credit? Don't want to borrow anymore and the thought of renting after buying my first home at 34 is gut punching. Worked so hard to get this home.

Putting it in just my name may be possible.. big MAYBE but that's not ideal.

I need a positive story if any...

Would you definitely have more family support if you moved? I've seen people move closer to family and either they're not very available or the person ends up with a load of caring responsibilities making them even more isolated. Kind of the grass is always greener.

Why are you isolated where you are? Do you work in the area? Go to toddler groups locally? Are you looking for someone to babysit? Or someone to talk to during the day? Or someone who can help out with childcare?

Just because you’re pregnant you can still be an applicant for a mortgage and your salary will still be taken into account, assuming you are currently working.

The area we live in is quite out of the way from all my friends and family
It's 3 trains to visit my of them (I don't drive) and I have to rely on DP to take me everywhere constantly. I hate that.

At the time we moved it was the perfect area for us but now we have a child it makes everything so much harder for me to get around.

The pregnant bit is just more of a panic from me that we have a short space of time before another dependant and more nursery costs which will lower our affordability.

Do you work? Could you get a mortgage based on your salary alone? Could you buy a doer-upper in the new area with just the equity from your sale.

If not, honestly, I’d stay where you are until you’re working and your partner has sorted his credit score (why an earth did he run that sort of debt up and then stop paying)? No way would I move out of a house I owned to rent unless I absolutely had to. Could you not learn to drive in the interim instead?

If you can learn to drive, whilst getting your partner to sort the debt and credit rating out.
If you are only just putting your house on the market you will be moving when heavily pregnant. Would you be better waiting. Having been in that position it’s incredibly stressful (are they going to sign, I’d the house we are moving to going to wait) and hard work ( packing unpacking cleaning and decorating) whilst heavily pregnant

What have you done to build your network where you are now? Or have you just waited for your partner to drive you back to visit family and old friends? I haven't lived within hours of my family or school friends since I was 18 and have built up new support networks wherever I've lived.

It does sound like moving now wouldn't be sensible. You're risking losing a house you own to go into rental if you can't port the mortgage, potentially increasing mortgage repayments, incurring all the costs of moving and you'd be moving when heavily pregnant even if it all goes smoothly!

What happens about your job if you move?

Couldn't you stay where you are, have some driving lessons - you could have passed your test by the time your baby is here! and focus on building your social network through work colleagues or baby/toddler groups?