I was surprised at how much I could borrow for a mortgage @richtea12 don't write off leaving before doing your homework.
If the house was sold, how much would you come out with for a deposit?
How much could you get in tax credits?
How much maintenance would you get?
How could you increase your own income?
I work very part-time, but I've done plenty of research on what I would get financially when we split and I've worked out that even before increasing my income, I can afford a mortgage on a 2 bed terraced.
I never would have imagined this.
Could you keep the family home and DH leave?
One step at a time.
I explained my intentions to DH 6 months ago and told him what I needed from him to avoid separation. We agreed a time frame. After the time frame we discussed how the changes hadn't come about and what I needed from him next, which is to move out so that I can get paid tax credits for 6 months, these can then count towards my income which puts me in a better place for a mortgage. I've been open about all of this. He luckily has somewhere to go and stay for this 6 months to happen, I dont. After the 6 months, the house will go up for sale. We have even agreed out custody days in advance.
My DH is reasonable at the moment but that could change. I think me being honest with him and open that the relationship is failing means he hasn't been caught by any surprises along the way. We've a long way to go but, we have a plan.
Mine will be moving out when he's received his covid vaccine, which looks to be atound 3 months away (his GP is predicting).