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make_me_wise

C_Mababejive wrote: »

If you are in a relationship be it married or not, whos house do you live in?

It doesnt matter too much whether rented or owned.

Is it jointly owned (i.e both registered owners) or tenants or does one partner own the home and merely permit his/her partner to live with him/her?


If the latter, and you are not a part owner/named tenant, does it cause you concern that you have no legal right to be there i.e you are there merely with the permission of the owner/tenant?

To be honest I think there is more behind this thread than wondering about whether you have legal right to be in a house. If you see living with a partner as someone permitting you to reside somewhere and are concerned about it, it speaks volumes about a relationship.

If the relationship is solid why would you worry. If it isn't solid you would go your seperate ways anyway surely.

Hubby and I jointly own our house, but it wouldn't overly concern me if I lived at his gaff or he at mine. When we met we each had our own places. We decided to pool our resources and buy somewhere that was 'ours'. If he had asked me to move into his place, I would have kept the mortgage on my own place as an investment. I know he would have too if the situation were reversed.

euronorris

We rent, but OH was already in this appartment and I just moved in. We did get permission from the landlady though, so she is aware and happy with it, though I am not a named tennant.

Does it bother me? No. But that is because we are renting and should we split, one of us would need to move anyway and I think I'd prefer to be the one who moved as the rent is too expensive for me to cover as a single tennant and there isn't a second bedroom.

Also, we are waiting on OH's job situation becoming more permanent here and then we will enter into a legal partnership here, get a mortgage and start our family. Very reluctant to move or do anything until that job is permanent and local (he's still officially on secondment from UK at the moment).

kettlefish

The house is "ours" and in joint names. We have no mortgage as DH inherited a large sum of money from his deceased mum and dad. We bought the house a few months before we married, and it was put into joint names straight away. The solicitor did ask him several times if he was sure, because it was bought with "his" money, but he was adamant.

We made a will in anticipation of marriage leaving everything to each other, but need to get it redone once baby comes. I think people don't make wills because they misunderstand inheritance issues, and are scared of death and don't like talking about it, but for £100 and a couple of hours we felt it was well worth it. The lady who did the will commented on how "responsible" it was (we were 20 and 25 at the time!) but maybe responsible=boring!:rotfl:

Amara

My and DH live in HA accomodation. Tenancy is on our both names. We used to live here with his eldery parents and when they died, we took over. Wasn't worth it. Family still sees this house as a "family home" and when I want to decorate my way I hear "it never's been that way". I hope we'll buy a house someday and move out from there.

harrys_nan

I live in my partner's house. He has made a will so if anything happens to him I stay here until I go and then the house gets sold.
I think that if anything happens to him, I will want to move back to where my kids live as at the moment I live 180 miles away now as we decided to move to the coast. I will have to sort that out when/if that happens.:(

vroombroom

We lived in a rented house thats in my name, as are the bills. I lived here for 4 months before he moved it. If we ever split, OH would go to his parents as my mam doesnt have the room for me, the baby, my two dogs and 2 guinea pigs and rabbits haha, but we're solid, so its cool:D

We'll probably look at buying a house before the little'un starts school. I've got a bit of money in a savings account from when the ex and I sold our old house x

Tish_P

If the relationship is solid why would you worry. If it isn't solid you would go your seperate ways anyway surely.

I disagree. I have a fire blanket in the kitchen not because I'm particularly likely to set a frying pan on fire, but because it's sensible to plan for unpleasant contingencies even if they are unlikely. Similarly, we should plan for the worst but work for the best in relationships too. Couples, sadly, often break up, and sometimes this happens even to people who believed their relationship was solid. Even more rarely, people die unexpectedly. It makes sense to ensure that in either case you don't lose the roof over your head - whether that's by being married which confers certain property rights, a Will, or being named on the deeds or tenancy.

MERFE

Its probably more relevant to those with home ownership but our situation is, currently living in our home - it is rented, it is in OH name only. It was put into OH name because we only bothered taking his wages into account. If something happened to OH I'm pretty sure I could continue to rent it easily enough so long as I could afford the rent which would depend on housing benefit and child tax credits as these would go up, otherwise I'd just rent somewhere else. Also if we split it unlikely he would want to continue renting such a large house but if he did I'd just find somewhere else.

Did I mention that my landlord is lovely which helps.

escortg3

Me and my partner live in his house. It has concerned me that should he die then firstly i couldnt arrange his funeral and secondly i would very quickly be ousted by his brother and sister.

Anyway last week we went to a solicitor and wrote our wills.

Basically is he dies i can live in his house until i co-habit, marry or die. Then it is sold and proceeds to his chosen people.

this also means should he die and then i need nursing care his home can not be sold for my care.

We also on our wills named each other as next of kin if you like so that i can arrange his funeral and he can arrange mine.

Should we split up then i am not worried that i have no legal right to his house as it is his and he pays the morgage.

I would just have to rent somewhere.

The will was complicated and cost £150 but is worth every penny for peace of mind.

C_Mababejive

escortg3 wrote: »

Me and my partner live in his house. It has concerned me that should he die then firstly i couldnt arrange his funeral and secondly i would very quickly be ousted by his brother and sister.

Anyway last week we went to a solicitor and wrote our wills.

Basically is he dies i can live in his house until i co-habit, marry or die. Then it is sold and proceeds to his chosen people.

this also means should he die and then i need nursing care his home can not be sold for my care.

We also on our wills named each other as next of kin if you like so that i can arrange his funeral and he can arrange mine.

Should we split up then i am not worried that i have no legal right to his house as it is his and he pays the morgage.

I would just have to rent somewhere.

The will was complicated and cost £150 but is worth every penny for peace of mind.

Well at least you have given it some thought and taken a step in the right direction but have you considered the possibility of paying some Rachmann landlord a large proportion of your meagre income just for a roof over your head at a time when you can least afford it..i.e when you are older/perhaps retired?