Residential lease with girlfriend

Lysimache

Comms69 wrote: »

Just to reiterate what Pixie already said, this is wrong in every way possible. Like literally every word is wrong.

That's actually useful to know - I withdraw my initial faulty advice.

Just so I'm clear in my head, if someone friendly pay you money for bills and covers some of your mortgage and they are living with you, is this not having a lodger? What turns it into lodger (with rent a room allowance coming into play etc) - is it if you have a stranger?

Lysimache

saajan_12 wrote: »

Lots of clouding of the issue
- You're not letting a room, the gf isn't a lodger with lodger's rights so the RAR is irrelevant
- Common law partners relates to rights arising from simply living together, even without a financial contribution

The point here is as TBagpuss says: GF's payments would be assumed to be contributing to the mortgage, unless explicitly agreed otherwise.

I see, so it's the fact that it's common law partners that means it's not letting?

Pixie5740

Lysimache wrote: »

I see, so it's the fact that it's common law partners that means it's not letting?

There is no such thing as common law spouses in any part of the UK.

Pixie5740

Lysimache wrote: »

That's actually useful to know - I withdraw my initial faulty advice.

Just so I'm clear in my head, if someone friendly pay you money for bills and covers some of your mortgage and they are living with you, is this not having a lodger? What turns it into lodger (with rent a room allowance coming into play etc) - is it if you have a stranger?

It was already explained to you in a previous thread of yours than lodgers are not subletting part of the property. Lodgers aka excluded occupiers and subtenants are very different kettles of fish.

Do you think the OP's girlfriend is going to be renting a room or do you think she will be sharing a room and a bed with the OP?

00ec25

Lysimache wrote: »

Just so I'm clear in my head, if someone friendly pay you money for bills and covers some of your mortgage and they are living with you, is this not having a lodger? What turns it into lodger (with rent a room allowance coming into play etc) - is it if you have a stranger?

does that really need to be explained to you?

The answer involves a 3 letter word ending in x and the last word of the title of this thread should be a big clue since you would not call your lodger by that name now would you...

Lysimache wrote: »

I see, so it's the fact that it's common law partners that means it's not letting?

wrong again

https://www.citizensadvice.org.uk/family/living-together-marriage-and-civil-partnership/living-together-and-marriage-legal-differences/

Comms69

Lysimache wrote: »

That's actually useful to know - I withdraw my initial faulty advice.

Just so I'm clear in my head, if someone friendly pay you money for bills and covers some of your mortgage and they are living with you, is this not having a lodger? What turns it into lodger (with rent a room allowance coming into play etc) - is it if you have a stranger?

Typically they don't share a bed......

hazyjo

Penitent wrote: »

Are you sure about this? When my mother bought her house, she was the only one named on the mortgage, but both her partner and I (both over 18) moved in with her on completion.

I've heard of mortgage lenders asking those over 18 to sign a document saying they have no claim to the property, but I've never heard of them preventing anyone from moving in or needing to be informed any time someone over 18 moves in or out.

I also thought that family members/partners living with the owner had no right to stay in the house if asked to leave by the owner.

Mutton_Geoff wrote: »

Were the lenders aware of this intention during the buying process. The advice from my solicitor during my recent purchase was that this would "complicate" the issue with the lender (Santander). Maybe it's a simple signature on a form or maybe different terms for the mortgage, I don't know. All I know was in my situation, I was advised against it.

Just to confirm Penitent is right. My BF shared my old house. I moved with him last Nov. Mortgage and house in my name only. He had to sign to say he was aware that if for any reason I defaulted on the mortgage and the property was repossessed, that he would have no claim on it and would leave too. They were well aware of the fact he was moving from one property with me to another.