Renting, Rent to buy or mortgage??

happy2017

Hi there, was hoping for peoples advice please.

I'm currently renting a 3 bed house at the moment through and housing association, house is ok but with two kids getting older it feels a lot smaller.

I'm currently in a self managed DMP with all my defaults x 11 due to drop off by Sept 2025.

I don't have a deposit so was thinking about rent to buy on a new build but the ones I've looked at locally are all saying if you have any defaults they must be settled.

Is there any other options for me?  I have been in the same home for 12 years and don't want to process the right to buy as I don't have a deposit for a mortgage.

Any advice would be really appreciated, thanks.

Sistergold

Why not let the defaults fall off? Also start saving up for a deposit. What caused x11 defaults? Not asking you to answer that here but answer for yourself. Since you are looking at a rent to buy if let’s say the defaults fall off and you go down that route is it at a higher rent? Will that not cause financial stress and lead to the same cycle of defaults. I know it seems like you need more space for the growing children but less space with better financial and therefore mental stability is better for the children than more space with parents who are stretching themselves.