GF paying towards mortgage, need advice

jimmyjammy001

So in essence you are putting down an 80% deposit and your gf is contributing nothing and she wants in on the mortgage? I think you need to listen to everybody on here and either run a mile or just tell her she is paying towards household bills only, that will probably give you a good indication of her long term intentions

vaporub

I built up the deposit as I worked offshore in a fairly difficult job, for a time I was tax and NI free but i was working crazy hours and I was always away.

I also didn't waste any money, always driven old bangers etc.

I don't work in that job anymore as i was getting depressed, I now work on land and my earnings have fallen a little.

onwards&upwards

vaporub wrote: »

I built up the deposit as I worked offshore in a fairly difficult job, for a time I was tax and NI free but i was working crazy hours and I was always away.

I also didn't waste any money, always driven old bangers etc.

I don't work in that job anymore as i was getting depressed, I now work on land and my earnings have fallen a little.

Was this while you were living with your GF? Paying rent?

zagubov

It very much looks to us that you're planning to take a long walk on a very short pier.

If you bought a cheaper house for cash, and spent only your money on its structure, you could be in a better situation if she breaks up with you again.

I presume kids aren't on the cards as your relationship seems too precarious.

Sea_Shell

Many years ago when I first moved in with my then boyfriend, I paid towards all the bills including the mortgage. If we'd have split up, it would never have crossed my mind to claim a proportion.

However, this was during the negative equity days!!!! Remember those??!!!

These days everyone is very clued up on their "rights" , so as others have said, be very careful.

vaporub

Still can't quote sorry but the deposit was built up partly before I met my GF maybe 60k or so and the rest once we were together renting.

I mentioned to her that I will pay the mortgage and this will help her save and be able to put a deposit on another house and she has agreed to this!

So the mortgage problem is resolved.

However she really wants to do the laminate flooring and painting etc, if she pays for that surely that can't gain some interest in the property?

Mojisola

vaporub wrote: »

However she really wants to do the laminate flooring and painting etc, if she pays for that surely that can't gain some interest in the property?

Of course she can - who would spend money on making improvements in a house that they have no monetary interest in? Just helping with the decorating is probably alright but not if she buys all the stuff.

It's beginning to sound as if your GF is more clued up on the laws than you are - and is taking advantage of that.

Socajam

I agree with all those who said, do this on your own.
I can see you back here in 6 months complaining that girlfriend wants to break up and wants 50% of your house
Please, I beg you, do not allow here to contribute to your mortgage, uncouple yourself from the joint bank account and get your own savings account.
Your girlfriend is fully aware of what she plans to do and you are the one who will come off financially worse.
It seems that you are more in love with her, whilst she is in love with your financial situation.
I have been down this road and let me tell you that the outcome will not be in your favour.
Do everything in your own name, let her contribute to the food/bills and nothing more. She will try to break you down, stand your ground
She wants a new bathroom/kitchen, that will have to wait until you have the finance, until then tell her that it is not going to happen.
The rent she will be saving but living in your house rent free, she could save that as her mortgage deposit.
I have seen too many people on this forum who have got caught in a financial mess, don't be one of them.
A lot of the folks who give you good advice knows what they are talking about.

[Deleted User]

Read all the info that's been offered, think it all through, and then make your own decision, you know both your personalities better than we do - go with your own intuition, it's usually right

sevenhills

vaporub wrote: »

However she really wants to do the laminate flooring and painting etc, if she pays for that surely that can't gain some interest in the property?

You dont seem to have any confidence in this relationship.


What is wrong with your partner having interest in the property?


Its not like she will get an automatic 50% share from laying flooring in the house.