Moving In With Girlfriend

aaa13ljsldjfldskj

its a dark world and who knows how you OR her would react if the $%^& hits the fan.

and I hope it doesn't....

you pay for 10 years and every time you pay it comes off her mortgage....

its something to think about even if you decide NOT to worry about it.

Mojisola

fivetide wrote: »

Either he buys equity and it becomes a joint property or he is officially lodging/renting a room and a legal doc stops any claim on the mortgage.

But he isn't a lodger or tenant - he's her partner.

Fencer

dRic40 wrote: »

its a dark world and who knows how you OR her would react if the $%^& hits the fan.

and I hope it doesn't....

you pay for 10 years and every time you pay it comes off her mortgage....

its something to think about even if you decide NOT to worry about it.

More likely scenario would be I pay for a year or two and we then buy a bigger place together, but I take your point.

Worst case scenario - I pay for a year or two and we split up, then even if I walk away with nothing I have saved a lot of cash as I have not been sending rent to a landlord.

thriftylass

That's why I think it's easier to pay for other bills like groceries, phone bill etc. so that it is not connected to her mortgage. Then you can avoid the hassle of drawing up a document etc. Plus it depends how serious it is. I gave my now DH money towards the ("his") mortgage. But we were certain that is would last and we eventually bought together and got married. All depends, but I think for now the taking over other bills seems the most sensible option to me.

Guest101

fivetide wrote: »

That is the reality - my suggestion is to stop the scenario you posted directly above this slightly strange response.


Either he buys equity and it becomes a joint property or he is officially lodging/renting a room and a legal doc stops any claim on the mortgage.


Ta.

He's not a lodger, he's a partner. Partners cant be lodgers.

They live as one household.

JimmyTheWig

I think you either need to
* go into this as a partnership (almost as if you are married, and everything you each have is shared) where money coming in is pooled, all bills paid from this and all spending from this
* keep things seperate and don't pay her mortgage - put the equivalent of what she is paying into savings and use it for a joint holiday or towards your next (joint) property

heartbreak_star

Guest101 wrote: »

He's not a lodger, he's a partner. Partners cant be lodgers.

They live as one household.

I live with OH in a house that he owns and I consider myself a tenant/lodger...

HBS x

duchy

Really ?

What didn't you get ?

Child living with parent - costs money -needs clothes, childcare , roof , own bedroom etc

Parent not living with child contributes to these needs.

Unless you were expected to buy half the child's clothes, toys, childcare it doesn't appear unreasonable. Presumably your own child also benefitted when they came to stay with you too ?

dRic40 wrote: »

pay what she is happy for you to pay... as long as you are happy to pay it.

get it really really clear at this stage and it will help the relationship flow.

money was an issue and a contributing factor in the demise of my relationship, even though I paid 50:50 on all bills.

my ex wanted 50:50 on everything, which I did, but she got £250pcm in child maintenance and I had to pay £200 in child maintenance...?

where was the £250pcm going if I paid 50% of the bills, I never could work it out....???

just make it clear now rather than later....

Mojisola

heartbreak_star wrote: »

I live with OH in a house that he owns and I consider myself a tenant/lodger...

You could consider yourself to be the Queen of Sheba but that wouldn't have any legal standing, either.

fivetide

Mojisola wrote: »

But he isn't a lodger or tenant - he's her partner.

And legally that means?