Advice on relationship split

SoVain

Good afternoon everyone. Heres my story. I have been together with my partner now for 12 years and we have a 9 year old son. We have a mortgage together on our house which has roughly £60k equity in it. We both work full time. Over the past 3 months or so our relationship has started to slowly dwindle away so much so that we have come to the decision of splitting up. I have said i will find a place to rent while my son and his mum live in our house, however if i do this i am going to struggle with my side of the bills on our current house. I appreciate that i will have to continue paying half of the mortgage until we sell the house, but am i still liable for any of the other household bills? I am not shirking my responsibility but didnt want to be paying for things that i shouldnt be (SKY, broadband, water, gas, electric, etc) as i will have to pay for these kind of things in my rented house. Many thanks for reading and any advice would be most welcome.

MrsTinks

Morally or legally? After all 1 of the 2 people living in the house will be your 9 year old child... Could your parnter afford the bills etc on her own?
Is there any reason you can't remain in the house until it's sold? I'm guessing there is either a spare room or a sofa somewhere...
That would be the MSE answer

SoVain

I am still living in the house at the moment but am finding it really hard. Would i be right in saying that she would be able to claim extra tax credits if i was to move out? If she could then she would be able to easily afford the bills obviously with me paying half the mortgage still.

galvanizersbaby

SoVain wrote: »

I am still living in the house at the moment but am finding it really hard. Would i be right in saying that she would be able to claim extra tax credits if i was to move out? If she could then she would be able to easily afford the bills obviously with me paying half the mortgage still.

I think there is a single parent element for tax credits so it is possible she would be entitled to claim extra tax credits as a single person as you say.
I've no idea how much extra or whether it would cover bills - best bet would be to try the online calculator (sorry don't have a link but it's available on their website)

carolan78

You would also have child maintenance to pay. When are you putting the house on the market? I would try to hold out in the same house for now, if you have both reached the decision then I can't see why it would be a huge problem.

carolan78

www.entitledto.com

SoVain

carolan78 wrote: »

You would also have child maintenance to pay. When are you putting the house on the market? I would try to hold out in the same house for now, if you have both reached the decision then I can't see why it would be a huge problem.

Yes i understand i would have to pay child maintenance and i dont mind that. We haven't put the house on the market yet but it is something we will have to do in the long run but i really need to get out as its not fair on our son to see that we dont get on.

carolan78

So it isn't amicable at the moment then. In that case if the house is going to be sold eventually, then yes you would have to pay half the mortgage if you are wanting some of the equity when it sells and pay her maintenance. Other than that you wouldn't be expected to pay anything else. Your partner will also be entitled to a 25% single person discount on council tax if she is the only adult living in the house.

Dancing_Shoes

Has she agreed to sell the house? It is quite difficult to make the pwc sell the house if they have reasonable grounds for not wanting to sell. Also if she is the lower earner of the 2 of you she can claim spousal maintenance. For everyones sake I would try and keep it as amicable as you can.

jenhug

she will get a 25% reduction in council tax if you move out.

RAS

Spousal maintenance is pretty rare these days.