I am 25 and my Hubby is 35.

We both have decent paying jobs I earn 19k a year he earns 23k a year. A few years ago he lost his job and was unable to catch up with previous bills, the bills come upto approx 8k.

He got himself a DMP (debt management plan).

I have minor bills, a credit card thats at 800 and my car which is on finance and almost paid off.

My question is, what happens when we are ready for a mortgage. We have been to a bank and they said most likely unable to get a mortgage joint because of his DMP but with my wage alone I cant imagine being allowed a mortgage.

Being in rented housing is frustrating me, I saw it as a start not that this is it. He rolls his eyes when I say about decorating the house because he doesnt want to waste money on something we dont own.

So basically has anyone been in this situation? I would really want to own my own house especially with kids, i dont need a big fancy house just something thats our own.