I know this post is probably going to receive a lot of hate so I have changed my username. Please know I am not trying to be controversial or begging etc.
Me and DH were lucky enough to have put enough savings aside in our very early twenties to buy a small two bedroom terrace. Originally it was our plan to be here for 5 years and then move on to something bigger. Life had other plans. After struggling with infertility and lots of treatment we are now a family of 4. Currently the children share a room and me and DH have the other room. One of our DC's is awaiting an asd and ADHD assessment. He is a gorgeous sweet boy but struggled with being unregulated a lot and can get very violent towards his sister. This is a regular occurrence and is getting worse as he gets older.
We are desperate to be able to give them their own room but we have an appalling credit history and are unable to get approved on a higher mortgage. Someone mentioned applying for council housing. I assumed we would not be eligible because we own our home (with two mortgages on it). I don't know what else we can do. The downstairs is not big enough for me and DH to move a bed in to so the kids could have their own rooms. Would we be eligible or would it be a case of being on the list for years and years and never getting any further?
I know there are people in much higher need than us as we have a roof over our heads, but I need to be able to give both children a safe space of their own.