When is the right time to have a baby?

I am 23. My boyfriend of (currently) 6 years is 27. In the last year I have become more hormonal and want to plan for a baby. I know he is not ready yet, with us renovating a house and is scared too. So am I!I have always said I would wait till I am 25, which is another 2 years, But I feel like my body is telling me its time... I feel like all the times I have said to him 'I'm not ready, I dont want to take the chance (wthout a rubber / falling preggers) that I may have already missed out. I have pco and have been told I need to shape up or maybe never have kids by the age of 25-30. I think in the past I either had a miscarry or a phantom pregnancy - it lasted about 3-4 weeks - but was negetive in result :S Any advice? I feel so confused. I'm afraid by the time he is ready, these feelings for a baby will be gone... What do I do!?