Protecting your house from future Girlfriend

thewinkshow

Hello,

I am looking for some advice, I am young chap looking to buy my own place shortly.I am currently single.

Now I have a large deposit with I will be putting down on the house, I also have about 20k in shares.

My question is can any future girlfriend claim against these, if we to break up?

I am asking this because I have seen quite a few of my friends get fleeced by there ex partners, I am a fair person I would also do the right moral thing, but I have seen some friends completley taken to the cleaners by ex partners. I am just looking to put something in place to stop this happening to me, I know its a touchy subject and one cant help but come across as a skin flint not wanting to share there money, but it really isnt like that.

I just want to protect what I worked hard for an ensure no one can take it away from me unfairly.I dont see anything wrong with this.Just needs a bit of planning, but of course how would you bring up these things with future partners.

I want to know that as long as they are not on the mortgage, can they make no claim? and the shares, is there any way an ex could claim against these after breaking up?

of course if a future partner and i get married or have children then its a different things alltogether and I would support and agree that everything is 50/50.

but being a young chap I dont intend anything too serious for a few years, thus my original concerns and questions.I mean if I moved someone in with me for say 18 months, do they have a write to anything?

Gwhiz

No!

In UK no such thing as common law partner - it's a myth.

Wee_Willy_Harris

I don't think it's going to be a problem for you.

Gwhiz

Wee_Willy_Harris wrote: »

I don't think it's going to be a problem for you.

Oh you cynic you!

Zannie

If you have a mortage the mortgage co usually want to know of any partner in case of an claims this I know.
If you buy a house with someone the way to keep things clean is to make yourselves "tenants in common" you list your respective ownership 20/80 etc and that cannot be changed
If a future girlfriend can prove that she "added value" to the property I think she might be able to claim.
I would check it out with a solicitor with a fixed fee interview just to make certain

cte1111

Unless they actually build an extension themself, then no a partner who had lived with you for a while would have no claim on your house and savings.

Have to admit I find it a bit odd being worried about this when you're not even in a relationship but there you are, it takes all sorts.

Gwhiz

cte1111 wrote: »

Unless they actually build an extension themself, then no a partner who had lived with you for a while would have no claim on your house and savings.

Have to admit I find it a bit odd being worried about this when you're not even in a relationship but there you are, it takes all sorts.

Too much masturbation rots the mind

thewinkshow

Hello,

I was hoping to avoid the stimga of asking such a question, and coming across as a bit odd!! - I know you will always get the people making daft comments, and saying she should get half etc - if she added value fine I would most definatley give her the money should we split - my main issue is basically girl living with me for say 18 months, we split, she claims and makes me sell the house for her half, meaning I lose the 40k I have out in, or at least had to split it with her.

the reason I am asking is becuase I will be putting about 40k down on the house which was from my deceased grandand, I want to use this money as best I can so I am buying my own place, now I wouldnt want this money getting split with an ex girlfriend. of course the perfect scernerio is I get with someone and it works out fne forever, meaning this will never be a problem, and everything is 50/50 what is mine is hers in my opinion.

The reason I am thinking about this is due to the advice of my best friend, who has just gone through a divorce, he already had his 300k house paid off before he met her, but ending up giving her half - plus loads of other bits her had to shares, cars etc - she didnt even have a job, he was the one brining in the money - he is back at his parents house now, and basically warned me, thus me asking the question here.

Errata

Take her in as a lodger and give her a rent book, and probably a week's notice to move out at some point.

paddedjohn

Better safe than sorry mate!

jennifernil

I think it is a valid concern.

We have bought a flat for our daughter, I would hate to think that some future partner could claim half of it just for moving in with her.

We have actually raised this informally with our solicitor, we are in Scotland, and he has assured us that this would not be a problem as she owns outright.

Should they buy a new place together, her majority contribution could be noted to preserve her share.