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Help! Girlfriend bought a house...

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  • DigForVictory
    DigForVictory Posts: 11,906 Forumite
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    Well done her!
    Unless she has a concealed magic money tree, she had help & that you're talking rent suggests she may have been been gently advised to start with Just Rent.
    Save the difference, enjoy the opportunity & see how it goes. Try to fence off *any* of that money & you may loose flat, girlfriend & all...
  • Kynthia
    Kynthia Posts: 5,668 Forumite
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    Why have you not discussed this before now? She has bought tge property on her own. Now you need to come to an agreement about whether you live there or not and if you do are you just paying a contribution and have no rights or equity or are you building a financial interest in the property? What happens if you break up, how is furniture being financed and owned, and will you be paying towards decorating and repairs? Then write it down so it's clear you both are on the same page.

    Clearly you aren't the breadwinner if you are not supporting her financially, and if she's buying a house without you then she sounds financially independant. You may however earn more than her.
    Don't listen to me, I'm no expert!
  • BrassicWoman
    BrassicWoman Posts: 3,202 Forumite
    First Anniversary Name Dropper First Post Mortgage-free Glee!
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    Trust her and just be a tenant paying rent
    does she have a current lodger you are replacing?
    2021 GC £1365.71/ £2400
  • seashore22
    seashore22 Posts: 1,443 Forumite
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    Polls for things like this are bloody stupid.

    She's bought a house in central London, but you are the breadwinner?
  • C_Mababejive
    C_Mababejive Posts: 11,654 Forumite
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    She is just using you to help pay for her house. Dont even go there and dont move in.
    Feudal Britain needs land reform. 70% of the land is "owned" by 1 % of the population and at least 50% is unregistered (inherited by landed gentry). Thats why your slave box costs so much..
  • PasturesNew
    PasturesNew Posts: 70,698 Forumite
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    The trouble here is you've moved in with a new girlfriend and it could go either way ...... best thing is for you to just pay her some money each month and thank your lucky stars you've saved on rent and getting to/from hers to visit her.

    Meanwhile, bank the difference in a savings account. If you decide it's not working out you've got your "walking fund" - and if you decide to move/buy together you've got money to bring to the party.

    If she chucks you out in 10 years and you've not married her .... then you'll have saved yourself all the insecurity of renting, fees, moving, etc for 10 years.... so just shuffle off with your "walking money" and think "I should've worked harder at that and/or walked myself 7 years ago".
  • emmatthews
    emmatthews Posts: 678 Forumite
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    You pay rent elsewhere without expecting to accrue equity, why is this different? You are now going to be paying significantly less rent but still want the deal to be better by benefitting further if you split?

    If you want to benefit from any rises in the housing market then buy your own place.
  • rosyw
    rosyw Posts: 519 Forumite
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    So - you say you are the breadwinner, yet somehow your girlfriend has managed to earn enough to save the full deposit on a house in central London, and also get a mortgage one her own. Something doesn't add up. Just pay the rent and be grateful for the amount you'll save.

    Would you be demanding a share of her car because you borrowed it put petrol in , few times?

    Why do people get so damned greedy when it comes to houses?? If you want a house, go buy your own!
  • HampshireH
    HampshireH Posts: 4,480 Forumite
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    C_Mababejive wrote: »
    She is just using you to help pay for her house. Dont even go there and dont move in.


    .....as opposed to her saving him a significant amount a month in rent, council tax and bills.....
  • kinger101
    kinger101 Posts: 6,284 Forumite
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    You could just keep living where you are currently living, but ask your current landlord if they are willing to let you have 65.5% more sex/cuddles/spooning on the sofa while watching Netflix than your current girlfriend. Would only seem fair if you're paying them £1,200 instead of the £725.
    "Real knowledge is to know the extent of one's ignorance" - Confucius
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