We don't have our own house yet (and no prospect of it while we're down south), but we're also in our early 30s, with good jobs and waiting a while. I'd like to save up a bit of money first so that I can take longer maternity leave, but we're already in quite a good position to start a family. We're waiting until the end of the year as we recently got married too. So our reasons are part financial (have a small credit card debt that I'd like to pay off first), but also partly having a year of married life together before we start trying.