I had a home birth about 18months ago - went on the ward tour at 35 weeks, and by 36 was booked on for a home birth. So its never too late. All went very well, and when labour really kicked in I was SOO grateful not to be faffing about getting to the hospital and trying to get into that rip-off they call a car park. I did have a really quick labour (4 hours from established labour) and that meant I got to experience the delights of the postnatal ward after all for stiches, which was really disappointing after doing the hard bit it all myself (OK, with just a bit of gas n air!) But that apart, I had THREE midwifes with me throughout (one had just transferred to the community team and wanted to get some more experience before going it alone). On the risk side - in ED we are minutes from the hospital, and if you get into complications the midwife is with you all the time and picks it up straight away - plus if you have to get an ambulance you are top priority call as there are 2 lives at risk (which I found reassuring, not scary). You can opt for a homebirth and at ANY point change your mind and go into hospital, where you still get to keep your dedicated midwives. Not that I'm suggesting that 'work' our overstressed NHS, but y'know.... Good luck - it'll be great, whereever you choose. Just relax and enjoy it!!! :))