How to make my partner a co-owner of our house?

Mojisola

lysy_gemini wrote: »

To wirte a will is a solution but we want her on the documents as the same owner as I am... with the same rights and to be honest to avoid any Will thing in the future. So all we want is to be joint owners of the house

As you are not married, wills are even more important! Why would you want to avoid something that would protect your partner in the event of your death?

Even if you can get the house in joint ownership, it would be wise for you both to have wills drawn up.

themull1

lysy_gemini wrote: »

Guys, if I would like to discuss this with solicitor I would have done it already and I would not be looking for advice on here.
To wirte a will is a solution but we want her on the documents as the same owner as I am... with the same rights and to be honest to avoid any Will thing in the future. So all we want is to be joint owners of the house [/QUOTE


You'll have to see a solicitor anyway to see if you can make the changes.

lysy_gemini

themull1 wrote: »

lysy_gemini wrote: »

Guys, if I would like to discuss this with solicitor I would have done it already and I would not be looking for advice on here.
To wirte a will is a solution but we want her on the documents as the same owner as I am... with the same rights and to be honest to avoid any Will thing in the future. So all we want is to be joint owners of the house [/QUOTE


You'll have to see a solicitor anyway to see if you can make the changes.

I think I can make any changes I want, it all depends on cost...
so lets go back to the original post and ask the question again:
What is the cheapest and the best way to make some one a joint owner of the house?

Mojisola

lysy_gemini wrote: »

themull1 wrote: »

I think I can make any changes I want, it all depends on cost...
so lets go back to the original post and ask the question again:
What is the cheapest and the best way to make some one a joint owner of the house?

kingstreet wrote: »

What has changed to suggest she could now be added to the mortgage/ownership?

If she couldn't be on the deeds before and nothing has changed, it doesn't matter how many times you ask the question, the answer is still the same.

Thrugelmir

There is no possibility of being named on the property deeds if your partner is not named on the mortgage.

I am surprised that the lender found the source of the deposit to be acceptable. More so given they would you lend less with your partner named on the mortgage.

Horse bolted springs to mind.

kingstreet

lysy_gemini wrote: »

Nothing changed. I dont want to add her to the mortgage, all we want is to add her to the ownership of the house

That is not an option.

It's neither, or both.

You can't be party to the ownership if you aren't party to the mortgage. How would the lender repossess a property if one of the owners wasn't part of the legal charge?

The lender has the right to block any change of ownership.

lysy_gemini

While bying a house solicitor said we can get deeds of trust afterwords, does it include being on the mortgage as well?

kingstreet

lysy_gemini wrote: »

While bying a house solicitor said we can get deeds of trust afterwords, does it include being on the mortgage as well?

No. A deed of trust has no connection with the mortgage, other than to determine how equity is split on sale after the mortgage is repaid in the event of relationship breakdown etc.