matrixworld
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We do have retired family members who will be traveling the world for 4 months next year, beginning in July 2027! They have a 4 bed and said we could stay there if we needed to put off getting the work done until next year.Assuming you are in the early stage of pregnancy, you might just have enough time to buy but not to get the work done. With a school age child (needing to be near their school) a pre schooler and infant twins, and by the sounds of your salary a busy job, think carefully about sequencing of getting work done. Consider things like the suggestion of staying with family, even a short term school.move if needed. Look at certain terms where there are more holidays (like the rest of this school year) where disruption to attendance will be lower impact. You don't need the work done straight away but plan for when you can feasibly get it done.
Again this would lean me more towards buying than building as end to end it would be less disruption even if it is more costly. I am sure your head is spinning with the news so take some time to think of all options.
I'm starting to lean in this direction as it would also give us a bit more time to save a bit.
You are right, my head is spinning