Worried about the future

[Onwardsnotupwards]

Recently separated from DH. We are in the process of buying our first home. His parents were giving us the deposit.
Anyway it never happened and he has moved from our rented house and I've stayed with DS5
I'm now a single parent. Work full time. Small amount of savings. Absolutely no family whatsoever.
I'm never going to e.g. abel to buy my own home am I? This scares me so much.
I hate the uncertainty of renting and it worries me that I can be asked to move out, and what about retirement?
I just feel the future I thought I would have is not going to happen and it's terrifying.

Were in the process not are!

It sounds like you’d never have even considered being able to buy anyway if it weren’t for his parents giving you a deposit? So in a sense I can see why you’d be upset at having something taken away you thought you were about to receive, but in another way it was never really ‘yours’ to buy, it was a bonus that came with the relationship you were in and when relationships end there are myriad losses to contend with.

What makes you think you’ll never be able to buy? What’s your financial situation like? I’m guessing with a young child you’re young yourself (under forty or so), why have you written off ever improving your financial situation so that buying could be an option? What’s your income and career like currently?

Home ownership is out of reach for millions of people OP, you’re not alone. It’s cold comfort but there are good landlords out there, I’ve never had a dodgy one yet or been asked to leave, of course if you rent until you die there’s no guarantee you’ll find one home and remain there until the end of your life but similarly even if you own people don’t usually stay in one house for good and all manner of things can happen to home owners that mean they have to sell up and rent again or move.

You work full time and have some savings so that’s a great start. Have you looked into the rent to buy schemes? Or the help to buy? You can buy with a 5% deposit on new builds, are you in an expensive area?

Sympathies, at least you’re not trapped in a failed miserable relationship cos you can’t afford or can’t sell your house with your ex. You have freedom now!

Try not to think so far ahead OP. You don't know where you'll be in one year let alone 10 or 20. Think about getting through the next twelve months. Circumstances change.