Aussies planning to buy a home, and also to start a family, may have to choose one over the other, at least to begin with, according to new research.

The survey by money.com.au revealed 30 per cent of would-be homebuyers were worried about applying for a mortgage if they were to have kids first.

Of these, 22 per cent worried about what kids would do to their ability to make loan repayments, while 8 per cent were concerned children would affect their borrowing capacity, or even their chances of being approved.

And their concern is warranted because lenders do consider children or other dependants during the mortgage application process.

The cost of caring for them is treated as an ongoing financial commitment when determining how much you can borrow.

Money.com.au crunched the numbers i

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