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

Lakeuk

Bossyboots wrote:

She does though. I know couples (one a good friend) who have been stung for a share of the equity when their partners have left.

I know someone this happened to, bought a house, after a few years girlfriend moved, she didn't contribute anything to morgage, bills etc but may of stamped her bit (ie decorating), they broke up 6 months later, he had to sell the house to pay her a steak, she got her solicitor (drag it out) to put a case forward that she contributed to the increase in the value of the house, and in the end it forced him to pay her some money to stop the legal bills going up.

He's now living with his parents, saving a deposit to get back on the housing/morgage ladder. It was very messy, things like she took the sky equipment and carried on ordering pay-per-views when he was still paying the subscription. He's knows now to get legal advise before living together with any future girlfriends.

While it is sad we all need to think of worst case, it's what we have to do

rozeepozee

Whoops, I forgot to mention that you could get legal advice (never was a very good advocate for lauding my profession :rotfl:) You could get a cohabitation agreement drawn up although they can cause all sorts of 'trust' issues (I speak from experience!!!). I doubt the CAB would do this for you but they may be able to give you some initial advice and refer you to a lawyer who specializes in this area.

Interest-Ed

And ask yourself the question - Is she the girl you want to marry? (old fashioned but I'm quite old). If you can't say Yes to this then why move in together at all. Just let her visit. If there are big, unresolved issues it won't make a happy start.

I was probably the "female" in this scenario as my contribution was 2 cats and a small overdraft where as my husband had just bought a house. But we both worked, pooled our resources and built up from there. That was 23 years ago so there's is hope.

black-saturn

dean_ham wrote:

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.

If you expect her to pay half then put her on the deeds so she gets half when the relationship breaks down.

You say she wont be making a contribution otherwise but I bet she will be doing all the housework, cooking and cleaning and all the other services.

black-saturn

dean_ham wrote:

One poster mentioned that to get all the bills in your name and make her pay for the food - which is exacly what i was thinking as she has no comeback.

:eek: I hope she reads this and changes her mind.

Amba_Gambla

black-saturn wrote:

If you expect her to pay half then put her on the deeds so she gets half when the relationship breaks down.

You say she wont be making a contribution otherwise but I bet she will be doing all the housework, cooking and cleaning and all the other services.

so if I come and do all your cooking and cleaning, can I have half your house?

sounds like a good deal to me.....


@ the OP....

go ahead, make sure you cover your back. You can't be too careful these days.

If she doesn't like paying rent/her share of the mortgage, let her stay at home with her parents till she can. She'll soon lower her expectations to a 2nd hand banger so she can afford to move out.

There's having a car, and having a brand new car. I drive a K reg car that I paid £600 cash for. It works fine, and has done for the last 2 yrs, and (hopefully) will for another few years.

Even if you're together you can't expect to be paid for.


*rant over*

Jay-Jay_4

Amba_Gambla wrote:

so if I come and do all your cooking and cleaning, can I have half your house?

sounds like a good deal to me

I totally agree.

I don't think that living in a house and tidying up after yourself entitles you to a half share (or any share) of it.

I think she's pretty lucky to be an 18 yr old girl on a low income a roof over her head for very little money. If she wants to be named on deeds and have an interest in the property then she should be contributing properly by saving and even if saving is impossible, she should be at least doing what she can (like getting an older, cheaper car!).

If the OP had said "look there's this girl who I'm desperately in love with and I jusk know that I'm going to spend my whole life with her, I want her to move in with me and I'm not bothered about her contributing because she's the right person for me and we're gonna have loads of kids etc etc tec..." then I would say yes, let the girl move in, let her be entitled to a share of your house..... but he doesn't say that and that in itself says a lot.

You pay the bills, put everything in your name and split the food bills. If she buggers off in 12 months she hasn't lost anything as she'd probably be paying her Mum keep every week anyway.

Good luck OP x

black-saturn

Jay-Jay wrote:

If she wants to be named on deeds and have an interest in the property then she should be contributing properly by saving and even if saving is impossible

Thats just it, if you read one of the OPosters posts he said she could pay towards the upkeep of the house but have no claim to it when they split up.

If she isnt the right one for him he shouldnt be thinking about living with her.

biblejohn

Right. Ive actually been through this and so have some of my friends, so i know EXACTLY what she is / isnt entitled to.

Basically if its all in your name then she isnt entitled to a penny. Even if she gives you 400quid a month "rent" towards the bills/mortgage.

The only way she is entitled to anything is if she invests substantially into the house - i.e. pays for work on the property - like adding a conservatry for example. Or, if she has given you a lump sum towards the property. In that case, she may be entitled to a % of the property value comparable to the % she has financially invested in the place.

Unfortunately in this day & age you really need to make sure where you stand before asking a partner to move in with you, as whilst you might be madly in love, you certainly dont want to end up loosing a lot of money should the relationship fail. Its not the most romantic thing to do, but it is the most sensible.

In my case, id been dating a girl for a few months and then I bought a house for myself & moved her in. She had been paying about 500quid a month rent/bills at her own flat, so she paid me £350 a month for living in my house. I did all the cleaning, cooking, washing and paid all the bills - so she had it good. I even bought a car for her. 4 years later and she`s 4 stone heavier so I dump her. Her parents arnt happy so get solicitors in. I consult several myself and the upshot is I didnt have to give her a penny.

As it was, im not entirely cold hearted, so I gave her a couple of grand to help her buy/rent somewhere else. She immediately blew the 2grand on a holiday!

black-saturn

:mad: I cant believe you have a name which mentions the Bible. Why dump your gf because she put weight on? Sounds like she was well rid of you.