[mr_chin]

Originally Posted by ZN6

1) Op has no assets or means to support a mortgage (would the bank approve of a mortgage at your current stage? Most likely not.)
2) Girlfriend has a child already supporting a mortgage and parents
3) Having parents live with you is never a good thing. If you and your partner cannot support a stand-alone family unit, you are no longer in control to any degree which leads to drama which also means that unhappiness will follow for all parties. Is this good? Well, if you are a masochist who loves pain all the time, by all means go for it.

OP, you are in your mid-twenties and debtless. Once you start a family, her debt along with new debts you will most likely inherit. I doubt she has the means to help you with your mortgage on top of hers and her running debt which seem like it will be there for a long time as well as a kid to take up her time.

Think this through before dragging it out the long run. I've gone through a relationship where the other party was swimming in debt (2 mortgages and her mom's constant need to spend the money on gambling) and even without a kid, it was a miserable relationship having to take care of their shit that I had nothing to do with since the beginning.

I don't think OP's GF has a kid.