Shared Mortgage with a Friend Problem

Dalinar

Hi all, looking for some advice if possible on an issue my girlfriend is having.

To cut a long story short, my girlfriend and her friend got a shared Mortgage on a house here in the UK about 10 months ago - and as I’m sure it is with all these cases, they’d been friends for years with no issues so no reason to think anything would go wrong...

Since then, this friend has met a guy, moved him in and and they had intentionally and secretly tried to get pregnant without consulting my girlfriend. This was only found out when she actually fell pregnant (she has lost the baby since).

It may also be worth mentioning that the guy already has an infant child with another woman and they had asked my girlfriend if the baby can stay a few nights a week, which she refused as she bought the house to live with her friend and not be a third wheel to a young family.

That has kinda of all settled down but now the friend has just bought a dog, again without any consideration or consulting my girlfriend and my girlfriend has decided that she'll just continue to do things like this without and disccusion and so wants out ASAP.

What options, if any, are available for her to get out and is there anything we may not be considering from the above?

Her current line of thinking is that she would like to move out, keep her half of the house and let them cover the mortgage, essentially renting her half out to them and so keeping her investment but we’re pretty sure there are probably some pretty serious legal implications to this.

Thanks, any advice would be really appreciated!

obay

She could offer to sell her half to the friend and the boyfriend, if not then she can agree to affordable rent. Or visa versa... She could buy the half of her friend if she can find the funds.

Jenniefour

What legal agreement did your partner and her friend have in place to cover this kind of situation e.g. where one might want to move out/sell etc?

sal_III

There is nothing unusual in this case and the advise given in the multitude of similar threads apply. The topic has been beaten to death and this is just another example why this is always a bad idea.

The only reason for me commenting is this bit:

Dalinar wrote: »

Since then, this friend has met a guy, moved him in and and they had intentionally and secretly tried to get pregnant without consulting my girlfriend.

Unless there is some weird covenant in the deed of trust between your GF and her housemate, It's absolutely none of your GF business when, how and with whom her friend is trying to get pregnant.

TrickyDicky101

She needs to sell - if she moves out but doesn't continue with her mortgage payments then she risks her friend defaulting and trashing your friend's credit record. That could have consequences for her should she want to purchase again (or take any other credit) in the future.

DontBringBertie

Might not be any of her business when she gets pregnant.

But can you honestly say if you bought a house with a friend, you would be happy if they moved in their boyfriend and 2 young children?

She has every right to stand her ground and refuse it.

mrginge

DontBringBertie wrote: »

Might not be any of her business when she gets pregnant.

But can you honestly say if you bought a house with a friend, you would be happy if they moved in their boyfriend and 2 young children?

She has every right to stand her ground and refuse it.

Refuse what?

The friend can have whoever she wants moving in. She doesn’t need permission.

xyz123

DontBringBertie wrote: »

Might not be any of her business when she gets pregnant.

But can you honestly say if you bought a house with a friend, you would be happy if they moved in their boyfriend and 2 young children?

She has every right to stand her ground and refuse it.

Might be a moral right but this "right" is worth a big, fat zero in trying to force friend to do something....

csgohan4

Another thread why money and friend's shouldn't mix

sal_III

DontBringBertie wrote: »

Might not be any of her business when she gets pregnant.

But can you honestly say if you bought a house with a friend, you would be happy if they moved in their boyfriend and 2 young children?

She has every right to stand her ground and refuse it.

It was bound to happen sooner or later, or did she expect her friend to stay an old maid until the mortgage is repaid in 25 years or so...