Paralyzed by choice

westernpromise

Even £375k will only get you a flat above a shop in somewhere like Ruislip or Amersham.

franklee

I think you need to sort out your short and medium term life goals out, at least where you are both aiming next. E.g. given your ages are little dgerrards on the horizon? If so is a garden, family friendly, etc. a consideration now or not? Does that change the commuting requirements?

The transaction costs of selling and buying are quite high so bear that in mind if you buy a flat now and then want to move to a house in the next few years.

Also the £150k is a game changer.

I would start looking at areas now with a view to buying a medium to long term home once either the £150k arrives or you have confirmation it won't after all.

Also surprised you didn't mention interest rates, hard to tell where they are going and when but signs seem to be pointing to a slow rise so I would at least allow for that possibility.

getmore4less

if you want to see what endless worrying about stuff that might effect housing does to people, look at where crashy got to with that approach.