Buying a house in my name - but girlfriend will be living with me.

dean_ham

Hi everyone, ive had a look around on this forum and i cant find a deffinate answer to my question.

I have been with my girlfriend for 3 years now, next step will be to purchase a home together in a year or 2 time.

Problem is she has no money saved, and to be honest i dont think she has any intention of saving money.

Over the past years i have been saving like mad, and i have roughly £15k saved at the moment, so your talking £20k in a year or so time saved for a home.

Where do i stand if i buy the home in MY name, and pay EVERYTHING. Will she be entitled to anything if we split up?

I want to protect myself for the future, reason im asking is ive heard stories like if the girlfriend lives in the home for a year she is entitled to half the home etc etc what is the truth?

Thanks for the advice,

Dean

us,thecat&thedebt

i cant give you any advice on were you stand but have you tried talikng to her about the future? is she aware of the money your saving? if so why isnt she saving? does she expect you to pay or maybe she doesnt realise your intentions...

when buying a house together it needs to be something you both want and would therefor both be willing to commit to..

try talking to her with regards to start saving now hope someone else will ahve advice for you..

good luck

and well done with the saving

dean_ham

She does realise how much i am saving, but she is on a low wage (£80 a week - apprentice hairdresser) couple that with having to run a car and being 18 years old, there is not much money left at the end of the week.

Next year she will be on more money £160 a week but she wants a new car on finance (a small ford ka £100 a month , 0% finance over 6 years) this is why i say she has no intention of saving for a home.

She never expects me to pay for her and always pays her way when it comes to things.

She does want to live with me and we have spoken about it - but last night she made a threat that if i was to cheat on her when we have a home, she would be entitled to half my home. And that she would take half of it for revenge!

First ive heard my girlfriend speak like this ! its not as if i would, its the fact that she would do it for revenge and got me thinking if we split up on moral grounds would she still try and get some of my home - WHICH I HAVE SAVED HARD FOR.

Thats why i want to know where will i stand if we split up. If its ture she will be entitled for 1/2 well i will have to make her go into joint names and both contribute 1/2 towards the deposit, and all costings for the home. If she dont like it, she wont be living with me - simple

And put the rest of my money in a high savings account waiting for a rainny day ha ha

Thanks for the replies

black-saturn

Unless she keeps receipts to show the household items she paid for she will not be entitled to anything if you split up.

plane_boy2000

I think you are safe on this one, but to be sure it might be a good idea to have her pay you rent for living in your house. I think that she may have some claim if she could demonstrate that she had been paying the mortgage, wheras if you can demonstrate that she is your lodger then no issue. Another safe guard is to make sure that you do not have a joint bank acount, and that all teh bills are paid solely by you,

black-saturn

Sorry but if I was his girlfriend and I was asked to pay to live with him I'd tell him where to go. Surely you cant be serious?

Ember999

I agree black-saturn, I think his girlfriend should find another boyfriend! A man who expects a girl to pay 'rent' for her to look after him, sleep with him, do housework etc. (and get real, all men expect that!) and pay him for the priveledge is barmy. Poor lass.....what security are you offering her? House yours, bills yours, stuff yours? what about her?? I don't see this relationship lasting.

dean_ham

black-saturn "Sorry but if I was his girlfriend and I was asked to pay to live with him I'd tell him where to go. Surely you cant be serious? "


Ok so you think it will be fine if you lived with me and didnt contribute nothing towards the home.



Ember999 "I agree black-saturn, I think his girlfriend should find another boyfriend! A man who expects a girl to pay 'rent' for her to look after him, sleep with him, do housework etc. (and get real, all men expect that!) and pay him for the priveledge is barmy. Poor lass.....what security are you offering her? House yours, bills yours, stuff yours? what about her?? I don't see this relationship lasting. "


The only thing i expect my girlfriend to do is atleast contribute towards the home, if she pays half and i pay half. Fine she can have half the home.

What security am i offering her... House mine, yes ive been saving hard for it, bills mine, yes its my home.

Dont get me wrong, i love my girlfriend to bits, i would do nothing to hurt her. But in this day and age you gotta look after number 1. And put it this way, if the situation was the other way round and she had £20k saved and i had £0. She will be trying her best to protect that £20k which is exacly what im doing.

Ember999

dean_ham wrote:

black-saturn "Sorry but if I was his girlfriend and I was asked to pay to live with him I'd tell him where to go. Surely you cant be serious? "


Ok so you think it will be fine if you lived with me and didnt contribute nothing towards the home.



Ember999 "I agree black-saturn, I think his girlfriend should find another boyfriend! A man who expects a girl to pay 'rent' for her to look after him, sleep with him, do housework etc. (and get real, all men expect that!) and pay him for the priveledge is barmy. Poor lass.....what security are you offering her? House yours, bills yours, stuff yours? what about her?? I don't see this relationship lasting. "


The only thing i expect my girlfriend to do is atleast contribute towards the home, if she pays half and i pay half. Fine she can have half the home.

What security am i offering her... House mine, yes ive been saving hard for it, bills mine, yes its my home.

Dont get me wrong, i love my girlfriend to bits, i would do nothing to hurt her. But in this day and age you gotta look after number 1. And put it this way, if the situation was the other way round and she had £20k saved and i had £0. She will be trying her best to protect that £20k which is exacly what im doing.

You should be looking to build a future with your girl not planning the relationships demise before you start! Think about how she will feel if everything is yours. At the end of the day, she is only 18, earns a pittance as a trainee and can't afford to contribue anything to this house purchase or furnishing it. You are expecting too much from a young girl who only earns £80 a week. Sometimes people can 'protect' themselves too much, they are the relationships that are doomed if you ask me. What happened to faith, love and building a life together? You earn a wad, she doesn't. Buy a home for both of you, with her on the mortgage, give the lass some security, help her become the woman she wants to with the career she wants to follow, you might just find it works out fine and you build a good life together. Yes, it may not work out, who the heck knows what the future holds for any of us, but you can't be like the way you are being before you have even started in life together. You should go into your new home with it belonging to both of you, with everything as 'ours' and if you can't do that, then she is not the girl for you.

dean_ham

"You should be looking to build a future with your girl not planning the relationships demise before you start! Think about how she will feel if everything is yours. At the end of the day, she is only 18, earns a pittance as a trainee and can't afford to contribue anything to this house purchase or furnishing it. You are expecting too much from a young girl who only earns £80 a week."

I am looking at building a future with her, thats why i want to buy a house with her - when your girlfriend threatens to take half your home before you even move in, it takes you by supprise.
I am only 20 and am an apprentice, so its not as if im on good money, i work hard for my money and do the overtime for this house!

I can see what your saying about going it in together. As far as im concerned i want to be with her forever, but who knows whats around the corner? Will she ever !!!! on me? who knows. The fact of the matter is ive seen peoples lives go upside down when they split of no fault of their own and i will not let that happen to me.

bettyr

dean_ham wrote:

"You should be looking to build a future with your girl not planning the relationships demise before you start! Think about how she will feel if everything is yours. At the end of the day, she is only 18, earns a pittance as a trainee and can't afford to contribue anything to this house purchase or furnishing it. You are expecting too much from a young girl who only earns £80 a week."

I am looking at building a future with her, thats why i want to buy a house with her - when your girlfriend threatens to take half your home before you even move in, it takes you by supprise.
I am only 20 and am an apprentice, so its not as if im on good money, i work hard for my money and do the overtime for this house!

I can see what your saying about going it in together. As far as im concerned i want to be with her forever, but who knows whats around the corner? Will she ever !!!! on me? who knows. The fact of the matter is ive seen peoples lives go upside down when they split of no fault of their own and i will not let that happen to me.

Good for yourself, son. You are doing well in thinking to the future and I am SO impressed with the amount you have saved on an apprentice's wage.
The girl friend was the one who threatened YOU. She doesn't save [wants to buy a new car] yet she wants half of YOUR savings!
I'm afraid I disagree with those who say she should find another boyfriend. You have shown yourself to be a very responsible young man. If you were MY son I would be urging you to find another, more sensible and appreciative girl friend.
Well done with your savings. :T