Boyfriend Moving In - How much should he contribute?

Debs0778

Hi All

Hope this is the right place to post this.......................

How much should my boyfriend contribute if he moves into my house. I've no idea how this should be worked out - if it helps, my household bills (mortgage etc etc) work out at around £1200. This doesnt include any personal bills like car, petrol and mobile phone.

If you need more info - just ask

cheepskate_2

Easiest way is half all bills excluding personal ones(i.e car, mobile etc) and mortgage.
That way both of you put an equal share into the house.

AlwaysWorking

cheepskate wrote: »

Easiest way is half all bills excluding personal ones(i.e car, mobile etc) and mortgage.
That way both of you put an equal share into the house.

I would avoid that....you never know what is around the corner and the last thing you want is someone having a claim on your house. Sorry...the voice of experience here! :rotfl:

Apricot

I would pay the mortgage by yourself to avoid him having any claim on that and just ask for 50% of all of the bills.

KlaraJones

It depends for how long you have been together.... I'm with my boyfriend already 6 years and he pay 50% of all common bills. Work for me cause I trust him.

AlwaysWorking

KlaraJones wrote: »

It depends for how long you have been together.... I'm with my boyfriend already 6 years and he pay 50% of all common bills. Work for me cause I trust him.

So by your reckoning the longer you have been together the less likely it is to fall apart? To a certain extent I agree, but there are no guarantees....and I have no doubt the OP trusts her OH, I don't think that's the issue.

Perhaps the OP could have a look around to see what her OH would be paying were he to let a room in a shared house? (Not that I would charge this, but it'll give you an idea!) Then bills could be split after this?

lindens

When i moved into my boyfriends house we worked out the mortgage + common bills, then we looked at our income as it was not equal. So as my income is 60% of the household income, I pay 60% of the common bills amount, we thought it was fairer. The rest of our money is our own and we each pay our car expenses, mobiles, presents etc out of that.
Now we have been together for a few years we have also started a joint savings account to pay for replacement items like carpets, fridges etc. as and when they need replacing.

ema_o

Will it be just you and boyfriend living in the house, do you have children or anyone else?

It does really depend where you are in your relationship with your boyfriend - if he pays towards the mortgage I think that gets classed as him paying towards the house, thus he would own some of it if you broke up. If you did want to do this it would probably be worth seeing a solicitor and drawing up something protecting the share of your house that you have already paid off alone.

I suspect that you are not at that stage yet (as you don't mention it). In that case, half of all bills (if just the 2 of you) is a good starting point. Also if it is just you, you will lose your single occupancy discount on your council tax, maybe he could pay the difference on top of half the bills, to make it fairer.

Perhaps he could an extra amount into a savings account for your future, or for holidays. That way he's not contributing to the mortgage straight off, but he's not getting a free ride either. This amount could be comparable to what he'd pay in rent elsewhere.

Speak to him about what seems fair, some good suggestions above!

Debs0778

Thanks everyone

I can see where you're coming from around the mortgage although I dont think issues around my home would ever be an issue with us if we split (she says while still being cautious)

Just seems a bit unfair as my mortgage is 625 plus I pay 800 a year for gardening etc (through a factor) and I drive. He doesnt so has no car or petrol bills etc although will no doubt be chauffered around.

That makes me sound really miserable and I dont want to "make" money out of it but I dont want to give him a free ride either.

minimoneysaver

What about getting a rent book and charging his half of the mortgage & other bills as a rent payment? Would this not rule out any claim he may have if they split up?

minerva_windsong

Half of everything, but all the bills stay in your name. If you'd rather he wasn't on the mortgage then maybe he could cover the food bills?