So you have the deposit, are earning a decent wage and have a good credit score, so has it come as a shock to learn you couldn't borrow as much money to buy a property as you thought?

Research by financial website thisismoney.co.uk has shown that soon-to-be-parents and those who already have children are being penalised by lenders when it comes to the amount of money they can borrow.

Spiralling childcare and educational costs - whether it's a nursery, a nanny or private education - hasn't gone unnoticed by banks and building societies, who are examining borrowers' finances more closely after the Mortgage Market Review and new Financial Conduct Authority rules introduced in 2014. 

Lenders are taking into account childcare costs as outgoings when calculating how much disposable income is left at the end of the month to repay a mortgage debt. Thisismoney.co.uk found those paying £1,343 a month in school or childcare fees will have around £150,000 shaved off the total amount they can borrow.

Soon-to-be parents are also being asked when they'll return to work after the baby is born, in a bid to reassure lenders that a full and regular income will be restored quickly.

It's a really divisive side to home loans. On one hand, it's prudent of lenders to ensure that mortgages are repaid and borrowers do not find themselves in financial difficulty. On the other, questions pertaining to pregnancy and children can be viewed as sensitive and intrusive. 

Where do you sit on the matter?