Saving for my babies future.

ChopperST

Savings are not taken into account when applying for mortgages generally. However if you had substantial savings / pensions / investments that were generating an income you would be able to declare that in a similar way to a salary.

Irrespective of this a lender would see savings a positive rather than a negative as you are demonstrating you live within your means.

The only other impact savings have is entitlement to certain benefits which is another argument to use the JISA for the childs savings and also a SIPP for your income above the 40% threshold as these would be sheltered.

AnotherJoe

Why would a mortgage company look on you less favourably if you have more savings ??
.?? Nope, don't get it. On that logic you should go into debt as they would look on you more favourably if less is more
Also, regards investing, read this also http://theescapeartist.me/2018/11/27/honestly-could-this-investing-lark-be-any-easier/ Some good explanations.