With my first, I worked to 36 weeks, took 2 weeks annual leave, 2 weeks maternity leave and then she came at 40+2.
With my second I was working full time and caring for a toddler, so I went at 32 weeks and she came at 39+4.
This time, I handed my notice in before I knew I was pregnant and I start my new job today, I'm probably going to have to work until 35/36 weeks to make sure I qualify for Maternity Allowance as I won't get SMP. As I've had two previous c-sections, this one will come by elective c-section at 39 weeks.