buying a house

[ttc4pink]

We currently have 3 little rug rats and have been trying to decide for sometime now whether to go again.
We were also trying to get a home loan and thought that once we'd secured a property we would begin trying for #4 later in the year.
We have just been knocked back on our loan, due to a credit glitch (which was paid but the mark will be there for another two years) and the fact that we wanted an 100% loan.
We have decided to rent (somewhere cheaper than we are now) for the next three years back trade the car to something that doesn't cost as much to run and then when we have some extra money behind us and a clean credit record for DH. My problem is our broker. He has told us not to have anymore children. I don't see how when I am still working (I work nights to be with the kids during the day) if our history is clean and we have a decent deposit how this would affect our chances... really.
I know in my heart I will have another baby, I don't think I can wait 3 years to do it. Once the plan is there I want to see it through IYKWIM.
Has anyone else had this advice or is it just that our broker doesn't (and has openly admitted) like kids?

[trouble]

well, if it were me, I wouldnt be waiting, if I knew I had to wait to get the loan.

we are pregnant with our fourth, and I know that the more dependents you have does have something to do with it.

However, when we brought our home in the first place, we didnt earn enough, we knew we could pay it back, but we didnt earn enough for the banks, so DH was working fulltime, I was working part time, and DH went and got another job, just so on paper we could afford it.

there are ways around everything, imo, some just take a lot of hard work.

[ttc4pink]

pretty much my idea, I still want to wait till the end of the year to start TTC, we have 3 boys so I want to wait till the weather warms up to increase my chances of pink;)
So long as I keep my job, which I'm ppt, and can go back to work after 3 months working nights is so much easier knowing DH is home with the kids, I know more depenants does make a difference but I'm hoping if we are prepared in other ways that should even out our chances...:fingerscrossed:

[MrsDribbleDrawers]

the more dependants you have, the less you have available to service a loan... banks calculate about $600 per adult, $300 per child (monthly), as well as the usual assets over liabilities... (we just went through this last week applying for a car loan - turns out they had hubby's net income down as his gross... of course we can't service a loan on $900 a week!)

[CJJHRA]

we not long ago got a house loan with 6 dependants... hmm, maybe we said 5 as the eldest is on youthallowance, yet still at school