[jonbxx]

Massively subsidise childcare. My Belgian colleagues pay £150 to £300 per month per child. When ours were young, we were paying nearly £800 per child. We had to make a real decision on whether it was worth my wife working as all her wages would go on childcare. If you don’t subsidise childcare, then….

Evidence of outgoings for childcare should be admissible to banks for mortgage playability. See also rent payments that are higher than mortgage payments but not used as evidence an applicant can pay a mortgage.