I think you are in a comfortable situation. The house you have now, you inherited. You just have to finish renovating it. It is a semi-detached house? Maybe you can still add something or better develop the attic?
edit: I just read that the roof and extension are possible anyway. How much do you gain then? You are already living there, although you haven’t done the rough installation of the sanitary facilities or the sanitary facilities themselves yet? How did that come about... you have the electrics and plastering done, but not the bathrooms and water pipes?
I would accept, if necessary, that it gets a bit dusty for a few weeks. Normally, construction sites can be separated quite well (dust protection doors, etc.). You probably don’t have 4 small children, that would be another matter.
What exactly do you not like about the semi-detached house?
I would finish renovating, stay a while longer, possibly sell later when you work full time again and then build or buy what you want. A life for two in your own house is not a punishment you cannot endure.
Yes, it is not as simple as it sounds...
We wanted to move into the house after grandma moved out... At that time, there was no talk of inheritance yet. During the renovation, more and more problems emerged. We didn’t want to do windows and electrics at first, but then we both did everything. We didn’t have time for a heating system back then... The situation with the craftsmen is alarming, a year ago no one would have touched anything (we dealt with at least 25 installation companies).
Therefore, we compromised to move in first (the apartment was also canceled).
.. And unfortunately, we do not like the location and the extremely small garden at all.
That’s why we have to think about an alternative now.
I am still sure that the financial situation will change a lot in the next few years. The house may then no longer be worth as much.
We are still only 30 but naturally have to think carefully in the next few years concerning children and such....