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Mortgage Seperation
Comments
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She is playing a fast one with the lodger.
The principle is that you seperate the house purchase from the living in it.
You continue to buy the house 50:50 with some adjustments for deposits if needed (when the time comes argue about that then)
House was bought for two people to live in so what is the rent for a typicle house like this.
She pay rent and you split that 50:50. it is up to her if she gets a lodger, she gets to keep the lot.
So your contribution is mortgage less 1/2 a typical rent.
Whoever lives in the place pay the running costs.
Say that as a gesture you will forgo the rent due allready and if the rent due would be more than the mortgage(by a little) then you will ignore that.
Does not play ball, move back in and enjoy the property you own a share of.0
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