Partner bought a house without me

paddy's_mum

rtho782 wrote: »

And then, because she's helped to redecorate the house

I suggest that there is an enormous difference between decorating and "gutting and renovating" and as someone who has been on the blister end of the shovel more times than I care to remember, I know I'd prefer a bit of gentle emulsioning to wielding a sledgehammer or spade.

I'd think that two people working every weekend for a year is a bit more than an advert for the latest Dulux paint finish!

Velvetbat

Yes I am paying rent still and we live in the rented house together still. He pays me a 1/3 of the rent and bills here and i pay the rest. I didnt ask to live in the new house rent free, I wanted to help out a little with rent ( help pay his mortgage) and also pay for half the bills and then eventually buy into the house. He originally suggested that I just pay half the bills and no rent as it would be unfair for me to have helped pay his mortgage but have no rights to the property should we ever split.

Velvetbat

We have not yet moved i to the new property. We are due to move in after August when we should be finished renovating

Velvetbat

Yes we have gutted the entire house. I have been weilding sledgehammers, crow bars, rubble bag after rubble bag filled with plaster, bricks, pipes.
We have torn absolutely everything out of the house by hand and only just starting to see the end of the rubble, nowhere near "redecorating" quite yet.
I was more than happy to do all of this for a house I would have owned a part of 😊
Otherwise I would have just helped out occasionally when i had the time.

john2054

if you love him, stay with him

if you don't love him, think of the children.

cyantist

Pixie5740 wrote: »

The OP told us the reason she cannot get a mortgage in the OP and it has nothing to do with bankruptcy or the state of her finances. The reason she cannot get a mortgage at the moment is because she recently became self-employed. Lenders generally want to see 3 years of accounts from self-employed people before granting a mortgage although I believe there are a couple of lenders who will consider 1 or 2 years of accounts.

Surely that's only if you want your income counted towards the mortgage? Her partner could obviously afford the mortgage on just his money so they still could have bought this house together, with a joint mortgage.

I bought a property with my husband when I was a student so I had no income that was counted but the mortgage was still a joint one.

I'd be really annoyed giving up that much time completely renovating someone else's properly, while being lied to about whether I would ever have a share in it.

One plus point is that there's still 5 months work to do, which I imagine will take significantly longer now without you helping him. He could have dropped this news on you in August after all the work is completed and that would be worse.

Pixie5740

cyantist wrote: »

Surely that's only if you want your income counted towards the mortgage? Her partner could obviously afford the mortgage on just his money so they still could have bought this house together, with a joint mortgage.

I bought a property with my husband when I was a student so I had no income that was counted but the mortgage was still a joint one.

I'd be really annoyed giving up that much time completely renovating someone else's properly, while being lied to about whether I would ever have a share in it.

One plus point is that there's still 5 months work to do, which I imagine will take significantly longer now without you helping him. He could have dropped this news on you in August after all the work is completed and that would be worse.

Is it obvious he can afford the mortgage on his income only with dependents? That's what the OP and possibly her children as well, would be if he applied for a joint mortgage with her which would reduce affordability. I'd be surprised if the lender knew about the OP.

Mojisola

Velvetbat wrote: »

I didnt ask to live in the new house rent free, I wanted to help out a little with rent ( help pay his mortgage) and also pay for half the bills and then eventually buy into the house.

He originally suggested that I just pay half the bills and no rent as it would be unfair for me to have helped pay his mortgage but have no rights to the property should we ever split.

He probably knows that you would have built up a beneficial interest in the property by paying towards the mortgage - more self-interest than generosity.

FBaby

Do you ever talk about the future, marriage etc... is he giving you confidence that he intends to commit to you endlessly or is it a case of you insisting you want to be on the deeds of the house because you are questioning his long term intentions? Sounds like you need to have a serious discussion with him.

smmeadow

Why is he only paying 1/3 of the rent and bills of your current home? Sounds like he is taking the p*** out of you! I'd tell him to shove his house.