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@zogy101 We don't want to wait 2 more years.

@bhagofangels Thanks. We could cover essentials on my wage. Barley, but could cover them. Such as having a specific amount for clothing, holidays, eating out etc? What do you think it's missing?

@kelbren Thanks. I'm hoping that we might able to get a 10 year fixed with a 20 percent deposit. Just depends on the provider. A fair few won't include my wifes wage until she has been employed for a year.

@jen9417 Yeah, that's something we should look at. We do use the car a lot, and someone else mentioned about how we would fund replacing it. It's 10 years old with just under a 90,000 miles. There's a 2 hour drive once a week(each way) that is essential. Not sure about the rest of it. Something...

@joshken Yeah, the plan would be any house costs would be covered by our emergency fund. If our emergency fell below £15000 for example, then our savings would top it up. We would stop investing. Car wise, yeah the 600, will cover mot and yearly service. Yeah, good point. Maybe need a savings...

@kathleencalado My pension is decent and my wife will get a decent pay-out if i die while I'm employed. Yeah, good point. I've never thought about income protection/thought it would be covered by critical illness. But realise they are probably separate things now. Thanks

@dobichlan18 We have been. Maybe they mentioned it and we misunderstood and thought we would need to stay with our current provider for both mortgages. Thanks

@dobichlan18 ahh ok. I didn't realise you could do that thanks. Say we have 80,000 at 3% remaining on our current mortage(6 years fixed remaining). We would keep that with our current provider from our current home. Then 140,000 with a new provider for our new home at ~4.6%?

@dobichlan18 We can't unfortunately. As our current provider will only loan us just over £200,000. They don't include my wife's wage.

We're thinking of purchasing a home for 280,000. Our Joint monthly income is £4000. £3000 from my job. £1000 from wife's salary, including child benefits. We are both in our early/mid 30s. I work full time(WFH). Wife works part time. Looks after our kid. No nursery fees. We've accepted an...