Mortgages and childcare costs

Has anyone found a mortgage when you have childcare costs? We’ve got a combined salary of £56,000 and we’re getting plenty of good DIPs until I add in the childcare costs and we aren’t even accepted. She starts nursery in 2 weeks when I go back to work. Has anyone found someone that will take them or have any advice?

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We have one with santander, my son was 2 when we got accepted and we paid full child care. If all else fails you get 15 hrs at 9months from September 24. So if you can hold out then might be accepted then xx

Why don’t you try going through a mortgage broker to see what options you have or doing a mortgage in principle yourself online through L&C

I have done, also got an appointment tomorrow with an advisor, I’m just wondering if anyone’s got any insight x

ohh sorry now realise what the DIP stands for 🤦🏽‍♀️! Ok good luck I’m also happy to private message a broker I used a few years ago if that helps ?

It's about affordability. If you have high costs compared to your income then you aren't a safe bet for the bank to lend you money for a mortgage. It sounds like you can't afford the mortgage you're after at the moment.

We're going to have two kids in nursery soon costing about 2.5k a month so I totally feel you! Could you both try compressed hours to cut down on a day or two of childcare? Or go for a cheaper house?

My husband is a mortgage advisor and is fee free do you want to speak to him? X

My uncles an independent mortgage advisor I can reach out if you'd like and he may be able to help he's based down south but I'm sure he can cover the whole country

she will only be in childcare for 2 days a week which is £500 a month, we get £3,900 a month salary after tax. We pay £825 for rent at the moment and the mortgage repayments would be around £1,100 a month so I’m not sure why we can’t. We’ve never been in debt and have perfect credit scores. The highest it’s saying we can get is £180,000 which isn’t even close to a house here

Mortgage will take into account if one of you looses your job, the other person can pay all the bills. How may year are you looking at, maybe go for maximum length, you can always lower term at renewal

Panic over guys, just realised I’ve been putting an extra 0 on what’s left to pay off our car so it’s 180,000 😭 it’s working now

in our community

Is this normal?

Is it just my husband that does this? He is able to work from home via his computer and in the mornings and evenings he is on there doing his job. When he is done for the day he tends to stay in the room and either play video games or watch something. He will occasionally come out and play with the girls for a few minutes and that’s it but when I really need him he says he is busy. My daughters are both 1 year old now and I am just wondering how much involvement should he have with them now?
Idk if this is the norm or not…..

Saying NO to buying toys etc

5 year old is getting really envious of others. He is obsessed with items that other kids have at school. I am pestered daily to buy these things in a different style when we already have 3 others. I have seen parents just buying stuff their kid likes which I don't necessarily agree with even when i can afford it. How do you deal with it?

Thoughts?

your soon to be brother in law (upon inquiry) told you that only a few kids from the family were attending his wedding because they are over the age cut off..

Tablet for kids

Alright don’t need any negative Nancy’s telling me not to get my 2yo a tablet so if that’s what your gunna do please don’t participate in my poll.

We’re about to move cross country 3+ day trip and my 2yo and 9m hate the car I’m talking scream their heads off till they are out of their seats. We’ve already changed car seats and it didn’t help so I’d like to at least have one entertained and sit next to baby and try and distract her or put her to sleep. Our new car has tvs but since they are rear faced my 2yo can’t see it.

Debating getting her a tablet or dvd player right now on long car rides I end up giving her my phone because I get so overwhelmed sitting in between both of them screaming and crying.

And yes I do bring different toys I bring snacks I play songs try to distract her other ways but for the sake of not losing my mind on this move I think this is best.

-A very overwhelmed and anxious to move mama 😓

Daycare?

Thoughts on daycare?? Truly, I am SCARED to be leaving my kid for daycare. I literally do not trust anyone, not even family (they haven’t given me a reason it’s just trust issues on my end, you never know). He’s turning 3 and I’ve been a sahm the whole time but tbh my man doesn’t make enough for us to move out somewhere more calm . We live in a ‘not so safe’ area in LA and I’m just not used to living here so I just want us to give my son a better life and in order to speed up the process I would have to work.. I do lashes at home and I’d be open to take new clients so I wouldn’t have to look for work but I’m just scared to lose my license 😭

5 month old activities

Hey everyone my baby is 5 months old and I want to reduce/cut screen time as I have read up on how bad it is what activities did people do to keep their baby entertained. Thank you in advance.