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Purchased my first house is the girlfriend enetitled?

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Good evening guys!
So I have just purchased my first house and am now happily moved in.
Now my girlfriend wants to move in and I don't have an issue with that. They only issue i raised with her was that if she was to stay here then she would be legally entitled to half of the relationship went down hill, well so I have been told? Can anyone shed any light on this!? Is there a legal form she can sign to say i own and pay for everything? Should I get a lodging agreement to protect myself!? What can I do!?
Many thanks in advanced!
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Comments

  • System
    System Posts: 178,351 Community Admin
    10,000 Posts Photogenic Name Dropper
    My friend asked me to sign as a witness an agreement he made with his girlfriend before she moved in, a kind of prenup saying what was each party's before remains each party's afterwards. Its totally unromantic and a sign of mistrust but if she loves you she'll understand and sign it. It wouldnt have real legal power just like a prenup wouldn't but might help your case.

    That said legally she could only really claim what happened after you got together for what it's reasonable to say she contributed either through finances or chores. If you can prove that you bought the house yourself then that deposit at least should be indisputably yours. If she's paying bills or wiring money to you then that is obviously claimable as hers

    Living together is part of getting to know each other I think and if you don't take some risks in life you'll never win
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • System
    System Posts: 178,351 Community Admin
    10,000 Posts Photogenic Name Dropper
    You could deny that she ever lived there..
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • Argghhh
    Argghhh Posts: 352 Forumite
    she will get letters bills council tax at that address - never gonna work
  • Pixie5740
    Pixie5740 Posts: 14,515 Forumite
    10,000 Posts Eighth Anniversary Name Dropper Photogenic
    Who imparted this pearl of wisdom upon you? Dave from down the pub?

    Your girlfriend living with you wouldn't mean that she would have any beneficial interest in the property. However, your girlfriend contributing towards the capital repayments of your mortgage could allow her to build up a beneficial interest in the property.

    Lodgers don't share a bed with their landlords so a lodging agreement wouldn't be appropriate since she is your girlfriend and not a lodger.
  • She won't be paying for any bills etc.. She may contribute to food etc nothing more. What's the best way for me to go about this then?
    Thanks
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Treat any contribution she gives you as rent.
  • G_M
    G_M Posts: 51,977 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    If she contibutes to the capital costs she will have a claim eg

    * deposit for the purchase
    * mortgage payments
    * repairs (eg fixing the boiler)
    * improvements (eg paying for the new conservatory

    If she pays for her own expenses this won't give her a claim

    * half the food
    * cleaning and other consumable expenses
    * rent
    * half the utility bills
  • Marvel1
    Marvel1 Posts: 7,439 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    She won't be paying for any bills etc.. She may contribute to food etc nothing more.

    If you lived alone the council tax would be 25% reduced, this no longer applies and I assume let's say electric bill would be a bit more.

    As G_M said, any repairs/home improvements you would pay 100% and not her.
  • System
    System Posts: 178,351 Community Admin
    10,000 Posts Photogenic Name Dropper
    If she wanted money out of you she'd be foolish to leave a homeowner, she'd probably either have to rent herself or contribute to someone else's rent if she went off with someone else
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • brodawel
    brodawel Posts: 153 Forumite
    Might be ok for you both in the short term, but looking ahead, your girlfriend will be very vulnerable if she just continues to live in your place and does not build up any security for herself. You will be safe and secure as your place hopefully increases in value, but she will have nothing and this will get worse for her the longer she lives with you. Does she have any assets of her own that could give her some potential security?
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