Help! Girlfriend bought a house...

Does she has consent to let to you from her mortgage company?

Lysimache wrote: »

Does she has consent to let to you from her mortgage company?

What? You don't need this if somebody if living with you. That's if you are renting out the whole property as a HMO or rental unit as a whole.
Quite clearly states above that this is not the case.
I think you mean if any member of the family over 17/18 is living with you, they usually need to waive their rights to any interest in the property by signing an Occupiers Consent Form which means they can't claim tenancy in the event the bank needed to repossess. This is at the time the mortgage is taken out.

I think the OP should buy his own house and not ride on the coat tails of his girlfriend. A year is nothing and seeking a financial interest in a property in Central London which has been paid for by his girlfriend (who is apparently not the breadwinner) is just greed.

So, you'll be saving over £400 a month.

Put that into a savings account. Then, if things don't work out, you will have money saved for a deposit to rent pr buy your own place, if things go well, then in another year or two, you will have a lump sum to put into the house and at that point, can suggest a declaration of trust.

But for now, don't be greedy. You're getting cheaper accommodation and you are early in the relationship.

If at some stage the house does need major works doing you have a conversation at that point about what you will do, and whether that will result in you gaining an interest in the house.

It sounds as though your girlfriend is being very sensible, and ensuring that, for the present, while the relationship is so new, she keeps the situation with her property simple.

By all means have a conversation with her about what she sees happening in the future - whether she anticipates you going onto the house deeds and mortgage at some point in the future. But be ware that you may find she would rather remain in control of her own finances, in which case, keep saying the £400 + you're saving on rent every month

umm hope she isn't reading this, maybe try asking your current LL if he might consider giving you some equity in his house.

I think the fact that you aren't buying the property together tells the story and answers your question.

Interesting how when a man is moving in with a girlfriend people see him as the greedy one but when women do it to men its not.


I read the OP as saying hes paying half her mortgage costs, and whilst its a saving to him he still is as stated, paying half her mortgage (and the repairs) so she is benefitting more and should they split she has had the months/years paid for her and he has nothing.


And whos the say the OP wouldn't of bought a house himself further down the line had he been single.


The moral side of it is that whilst hes saving money hes paying for her, he is also saving her money on mortgage, council tax, utilties and her visiting him and has someone to share chores or work to the house with difference being at the end she has the home and he hasn't.


So difficult one.