First time renters.

System

I needed 56k to buy my 2 bed house at £128k as I could only borrow £72k

Niklas33

He's completely refused to go joint with me.

I have a job lined up.

Any ideas on what to do?

mije1983

Niklas33 wrote: »

He's completely refused to go joint with me.

For what reasons?

Niklas33 wrote: »

Any ideas on what to do?

From an outside point of view (and obviously we don't know the full workings of your lives), it sounds like maybe he isn't as committed to this relationship as you are.

barbiedoll

Are you sure that you know the full extent of his debts? He may well have CCJ's or defaults that you don't know about. Why would he be so reluctant to go on the tenancy agreement otherwise?

This sounds a bit odd, he wants a joint account but doesn't want to share a tenancy? You need to be very careful.

Niklas33

He said he still has debts to pay off which i understand.

It's so strange

mije1983

Niklas33 wrote: »

He said he still has debts to pay off which i understand.

It's so strange

But if it's only £1400 then it's a drop in the ocean really.

A joint account (so access to YOUR money), but no liability (not on the tenancy agreement)? As barbiedoll said above, is he hiding something? Tread carefully.

You've been together 4 years, are moving in together and are getting married, but if is is hiding things about the extent of his debt I would be worried.

Niklas33

I know his debt is 1400 as i have seen the bills.

He said he now doesn't want a joint account but it would have to be my name only on the tenancy.

[Deleted User]

cover your own back and make him get on the agreement. Fingers crossed nothing will go wrong, but i have moved in with partners and it has totally changed the whole relationship. We ended up breaking up pretty soon afterwards. If he left, you would be liable for the rent. He wants all the fun of moving out with none of risk....why should you have to carry all that?

MillyR

So, you'd be quitting your job and moving to him, but you have to be the only one responsible for the house, bills etc.?

Absolutely not. It sounds very much like either he's hiding something, or he wants an easy get-out. Neither are good situations!

I'd wait till the debt is cleared, or he's clearer about being equal partners.

Edit: Sorry to sound so negative- I'm sure he's lovely really. But he sounds enormously dodgy or unconvinced/uncommitted to living together.

MillyR

Also, I know we had to put both names on the tenancy for both places we rented- with quite nasty charges if we hadn't and they found out the other was also living there- so it wouldn't have been possible to rent under one name. You'd also have to pass affordability checks (mine asked for confirmation of my salary from my employer, which I assume is standard).

You'll make it work in the end, I'm sure- just make sure you that you don't get swept into poor decisions