OK I'm worried now...

Mojisola

Newlyboughthouse wrote: »

Would appreciate hearing about any real-life experiences going forward or other opinions on the matter.

It's actually quite expensive for someone to go to court to claim any beneficial rights they have built up in a partner's property.

It does sometimes go that far if the relationship turns very sour but the ex can also end up with a payout because the threat of going to court will cost the home owner as well and it's cheaper to come to a settlement.

Remember that while you want to protect your investment, your partner has no legal protection because he isn't a lodger or a tenant. You could tell him one day that you want him out of the house within a couple of hours and he would have to go. That's why he needs to keep some emergency money to fund a few nights in a hotel and what it will cost to move in somewhere new.

meer53

After living together since 2013 why are you thinking about this now ?

Newlyboughthouse

meer53 wrote: »

After living together since 2013 why are you thinking about this now ?

As I said in OP - another thread in the forums got me thinking

meer53

Your partner is in for an interesting conversation then !

Newlyboughthouse

meer53 wrote: »

Your partner is in for an interesting conversation then !

Yes can't wait :undecided

ACG

Newlyboughthouse wrote: »

work my !!!! off to overpay,

That is debatable. Had your partner not been living with you, I assume you could not have overpaid anywhere near as much? So technically he has worked his !!! off to allow you to overpay? (justplaying devils advocate).

I would love to sit in on the conversation you have with your partner about this.

Newlyboughthouse

ACG wrote: »

That is debatable. Had your partner not been living with you, I assume you could not have overpaid anywhere near as much? So technically he has worked his !!! off to allow you to overpay? (justplaying devils advocate).

I would love to sit in on the conversation you have with your partner about this.

I overpaid (outside of regular monthly payment) around £20k in 2014. He paid a grand total of £1800 in 2014 - it made a small dent but not massive... see what you're saying though. I'm going to go down the written agreement route I think - I'll let you know the outcome of the convo!

mlp

I think you need to decide if he is your lodger (effectively paying you rent) or your partner.

If the former, then no he isn't entitled to anything back. If the latter then have that conversation....now. It's only fair.

BaileyMoselle

Funny enough I was discussing this interesting situation with my workmate today. He lived for three years with his girlfriend. As an independent IT contractor he was raking it in and so he paid most of her mortgage and he decorated the property and he purchases a lot of furniture. When she kicked him out he went to see a solicitor. He had all the receipts and the bank transaction scripts. The solicitor told him he had no chance in claiming back any of the equity. Essentially, without a name on the mortgage his status was that of a lodger. The OP should think carefully about having the conversation. If I was paying my girlfriend's mortgage off and she asked me to sign a slip of paper saying it was ok to pay her mortgage for her but don't expect to get a a chunk of it back ever - well I would be offski and quickly.

Thrugelmir

BaileyMoselle wrote: »

Funny enough I was discussing this interesting situation with my workmate today. He lived for three years with his girlfriend. As an independent IT contractor he was raking it in and so he paid most of her mortgage and he decorated the property and he purchases a lot of furniture. When she kicked him out he went to see a solicitor. He had all the receipts and the bank transaction scripts. The solicitor told him he had no chance in claiming back any of the equity. Essentially, without a name on the mortgage his status was that of a lodger. The OP should think carefully about having the conversation. If I was paying my girlfriend's mortgage off and she asked me to sign a slip of paper saying it was ok to pay her mortgage for her but don't expect to get a a chunk of it back ever - well I would be offski and quickly.

Anything paid would amount to little more than rent. Giving some one "petrol money" for lifts to work doesn't give someone part ownership of a car.