Girlfirend moving in with me - what should I ask for?

olias

You forgot sex on demand!

Olias

theartfullodger

olias wrote: »

You forgot sex on demand!

...

I know it''s a burden but you have to provide the service...

bristol_pilot

The sex had better be bloody good, because she is going to end up walking away with a minimum of half your house.

Seriously though, you can't accept a penny off her or she will own half the property and no account would be taken of you having paid the deposit. Some people claim it would be OK to accept half the grocery bill or whatever, but in practice it would be impossiblte to distinguish money received for groceries from money which is then paid towards the mortgage.

I'm still waiting for the thread that says 'my girlfriend has saved 20% towards the deposit for a house and has invited me to live with her'.

Wee_Willy_Harris

The_K_Man wrote: »

Girlfirend moving in with me - what should I ask for?

Regular s e x and clean sock would be a good start.

TroubledLandlord

I moved in with a girlfriend and took a contribution to the mortgage. It was small (like £100) and easily outweighed by everything I was putting, paid all of the bills, most of the shopping. I kept us so that she could pay off her student loan.

It all went Pete Tong and she demanded a percentage of the house. I gave her £5k because I cared about her and didn't want to see her drowning in debt, as she informed me she was.

Really I should've had her contribute to bills / shopping instead to protect myself. That said, I'm not a cad so I would've dinged her that cash anyway. It did leave a bad taste in my mouth though that she went on a money hunt when we split up. Guess I was lucky to get out early.

To echo what everbody else says, I'd have her contribution CLEARLY going for something other than the mortgage in case it goes a bit Pete.

GDB2222

For anyone else who was slightly baffled by the previous post. http://en.wikipedia.org/wiki/It's_All_Gone_Pete_Tong

Soundgirlrocks

I'm going to be in a simlar situation, I live with my bf renting but hopefully will be buying some where soon. The agreement we have is that he will pay me rent (50%) of the mortgage and we will split bills equally as well. Its still cheaper than our current rent. It is a long term relationship, and hopefull it should never be an issue but I'm worried now he would have a claim on the house should we ever split? It was his decision not to come in on the mortgage as he wanted to go freelance and didn't feel ready to commit to a mortgage. Do I need to speak to a solicitor and get something drawn up?

SilverSix

50/50 on bills
Plus £1-200 on top or get her to cover food/petrol so it works out the same difference so she doesn't have to just give you money each month.

Edit: Soundgirlrocks: probably wouldn't hurt to draw up some kind of disclaimer. Though there are legalities with receiving income, £4250 tax free for a room per year, so you might have to declare some for tax. Or find that you end up with a big tax bill or before the court if you've not declared income.

I'm not sure quite how it works so a solicitor is probably a good choice.

Search the forum too as I'm sure it will have been discussed before.

Kyrae

Hi Soundgirlrocks. If your partner is going to be paying 50% of the mortgage and half the bills then why not buy the house together if you're planning for a long term relationship and making this your family home? If he's not ready to commit to the mortgage purely because he has concerns over being accepted for a mortgage as he's gone freelance then perhaps you could put only your name on the mortgage for now... and get a declaration of trust drawn up by a solicitor saying that the house belongs to both of you, and it can include details of who is paying the deposit and how the money from the sale of the house would be split if you broke up. Once he's ready to commit to a mortgage then his name can be added on the mortgage. Just an idea!

Soundgirlrocks

Rent would below the tax free allowance for rent a room scheme, so no problem there. Kyrae I would be reluctant for my bf to own half of the home without sharing in the responceablity of the mortgage and then have the potential for me to lose my home should things go wrong. We are both from divorced families and know sadly things can go wrong. He is happy with the arrangement as he will be in a better property paying less rent than our current situation. The deposit has come from my father who recently passed away and he was very clear that I was to use the money for my security and to protect it - Dad got on brilliantly with bf no bad feeling just being sensible.