Brother's Girlfriend Moving In

pollyanna24

FBaby wrote: »

How will overplaying the mortgage benefit her when sold? In the end is up to her (and your brother) as to what they consider fair as there is no right or wrong answer. If I was her though I wouldn't agree to pay 1/3 off everything as not gaining the same benefits and sharing a room with your brother or so I assume!

Well, they are engaged, so they will be buying a house together, so overpaying will benefit her, but ultimately what we decide to do with her "contribution" will be down to me and my brother.

I do see your point about not paying 1/3 of everything, well kinda. She will be using a third of utilities etc. and 1/3 of our mortgage is a lot less rent than she would be paying if she was renting somewhere.

pollyanna24

Mojisola wrote: »

Remember you're an equal owner. Don't be pushed out of your home because there are two of them - you could stay in your house and have a lodger to cover the costs.

It can be difficult to be a single living with a couple.

It will indeed be difficult, but the other alternative is to sell up.

I can't stay in my house and get a lodger as my brother will want his equity out of the house.

Mojisola

Confusedandneedhelp wrote: »

Forget joint groceries too, that's ridiculous.

Do you think that pollyanna24 and her brother should pay for the GF's food while she lives with them?

pollyanna24

Confusedandneedhelp wrote: »

Agreed.

She isnt getting a third of the use of the house and shouldnt pay a third.

Forget joint groceries too, that's ridiculous.

Dont charge her rent either.
1: reasons above re: beneficial interest
2: tension in your family, with your brother
3: resentment that they (the joint they) pay 2/3s, but you get 1/2 the use of the house

The only thing she isn't getting a third of is her own bedroom. And the rent on a room anywhere (let alone the South East) would be more than £166.

Joint groceries aren't ridiculous in my eyes. It's what we do now. Me and my brother have a joint account and we pay for joint stuff like bog roll, washing powder, cleaning materials out of that account.

Confusedandneedhelp

Mojisola wrote: »

Do you think that pollyanna24 and her brother should pay for the GF's food while she lives with them?

No i think they should each pay for their own food!

I wouldnt want to pay for anyone else's food, and wouldnt want them paying for mine.

pollyanna24

Mojisola wrote: »

Do you think that pollyanna24 and her brother should pay for the GF's food while she lives with them?

Blimey, this isn't what I was expecting when I started this thread.

My brother said we would sit down and discuss figures. I just asked what I thought other people would expect to be a reasonable amount.

We are a very close family and all just trying to help each other out in the next couple of years, when we will go our separate ways.

pollyanna24

Confusedandneedhelp wrote: »

No i think they should each pay for their own food!

I wouldnt want to pay for anyone else's food, and wouldnt want them paying for mine.

Really? Should we have separate bleach for cleaning the toilet and separate washing powder? We do buy a lot of our own stuff, just the practical stuff that I put on the joint account. Milk, bread etc. cos it would go off by the time we used it individually.

Confusedandneedhelp

pollyanna24 wrote: »

The only thing she isn't getting a third of is her own bedroom. And the rent on a room anywhere (let alone the South East) would be more than £166.

Joint groceries aren't ridiculous in my eyes. It's what we do now. Me and my brother have a joint account and we pay for joint stuff like bog roll, washing powder, cleaning materials out of that account.

Will you be declaring this income to HMRC? Will you be telling your mortgage provider that a 3rd party is paying towards the mortgage? Will this be her home, or yours and your brothers and when they argue, will he be the one staying at a friends or will she be?

and re joint groceries: This situation will explode. I guarantee it.

Confusedandneedhelp

pollyanna24 wrote: »

Really? Should we have separate bleach for cleaning the toilet and separate washing powder? We do buy a lot of our own stuff, just the practical stuff that I put on the joint account. Milk, bread etc. cos it would go off by the time we used it individually.

And what happens when she wants to add to this joint account spending? Or he does on her behalf?

Do whatever makes you happy.

pollyanna24

Confusedandneedhelp wrote: »

Will you be declaring this income to HMRC? Will you be telling your mortgage provider that a 3rd party is paying towards the mortgage? Will this be her home, or yours and your brothers and when they argue, will he be the one staying at a friends or will she be?

and re joint groceries: This situation will explode. I guarantee it.

If we have to declare it, then we will. Is this only if she is paying "rent" or just contributing towards utilities?

She stays at our house quite a lot at the moment as it is.

And the joint groceries. My brother moved in three years ago and it's worked fine all that time.