if your intention is to buy again, let the person assessing your claim know that

sounds like your kids accounts are going to be normal kids accounts so don't fret too much there - just be upfront about them

it's hard to say with absolutes because there are so many other factors that come into it - assets test takes into account all your assets - jewellery, car, household goods etc. the income that is deemed from a financial asset depends on what the amount is.