Council house while selling.

leslieknope

Elson5 wrote: »

The house is a terraced house, so no garage to play with. Downstairs we just have a lounge and kitchen no dining room.
It has 3 floors, so we also have no loft to play with.
Currently the kids are in the top room, our only option is to swap bedrooms and make 2 "areas" out of the other room.
The house was perfect when I first brought it as a single person with no kids 10 years ago lol.
How things change.

the dimensions of this house are confusing me... not being negative, just being curious. does that mean you have the kitchen and living room on ground floor, bedroom and bathroom on first floor, and second bedroom on second floor? is it a very narrow house? just wondering!

so you have an option. swap the bedrooms and partition the larger bedroom into two.

if you bought the house that long ago, surely what you have paid off on the mortgage should muster up a decent equity deposit for a larger house? even if that is in a couple of years when you've made serious inroads on your debt to be able to get a favourable mortgage.

have you seriously looked into renting? it may well be that your husband could guarantee the rent on his wages. especially if you can pay X amount of months up front due to the house sale.

ComputeAngel

What if you get a "permission to let" your current home and move to rented property. I am sure you can find landlord that can accept bad credit rating :-) Good luck

suzeesu2000

What is the local rental market like? Would it be possible for you to rent your current home out, which might cover any mortgage, while your rented privately in the meantime?

mrginge

Elson5 wrote: »

Oh my goodness....... not asking for others to bail us out!!
Merely asking what people would do in our situation, after ideas not negativity.
And if it was that simple to just go out and get a better paid job then we would have done that already and problem would be solved..... I'm sure we would all do it if it was so easy.
At least we both have a job! :T

I was suggesting an approach that was more to do with what you could do for yourself rather than what the council could do.

I didn't suggest it was easy. And nor should it be.

Not sure how such an approach can be described as negativity but hey ho.

bouicca21

Moving into rented with 3 children is madness. It's not as if there is any kind of crisis, you just need to work with what you've got - and appreciate your luck in have three presumably gorgeous little ones and a roof over your head.

And in the meantime get your credit rating sorted.

Rosemary7391

If you wanted to move into rented I think it'd be usual to put the house up for sale, wait until you got an offer, then start looking for rented property. It's much quicker to organise a rental than to sell a house. I think a lot of letting agencies want you to earn 30x the monthly rent or thereabouts? But individual LLs might be less fussy so long as you can afford it obviously. As you've a few years before it'll be a problem, I'd use that time to get your credit rating as sorted as you can, pay off any non mortgage debts and save like mad. Then you have a few options. The debt free wannabe board is a good place to start with reducing outgoings and getting debts paid off in the most efficient manner

JP1978

In some circumstances, its not so much the gender difference, its the age gap. I shared a bedroom with my sister who is 10 years my senior. She went to bed later than me and at that age difference, with puberty etc, wanted her privacy - and rightly so. Yours at 4 months, 4 (estimated) and 7 are not such an age gap to be a problem for a few years yet.

Rather than wasting money now - make a long term plan - aim for a 3 bed home with one of the proposed kids bedrooms to be big enough for 2 (those of the same sex).

I used to have neighbours in a small two bed starter home, they had twin daughters. The parents slept in the small bedroom - it housed a queen bed with NO space either side and no furniture, so they could allow the daughters to have the larger bedroom. Sacrifices we have to make sometimes.

Miss_Samantha

Elson5 wrote: »

Merely asking what people would do in our situation, after ideas not negativity.

You wrote that at the moment you can't buy or rent a larger house... So that leaves you with the third option: You stay where you are for the time being.

Yes it will be a bit crowded but what can you do? This wasn't forced upon you.

Elson5

Lol.. yes that's how the house is, 2 rooms downstairs, bathroom and bedroom on 2nd floor then bedroom on top floor. It goes up rather than out. Yes I'm thinking room dividers and a bedroom swap around might be the best idea.

Cheeky_Monkey

If you have only got a bedroom on the entire top floor then it must be big enough to partition