Cohabiting rights?

Lizzie28177

I have lived with my long term partner for 5 years, 2 years ago we decided we wanted a bigger property and bought a new house. The original house was his and to make things easier we transferred across the mortgage to the new house. I was due to go on the mortgage in a couple of months time but unfortunately i have now found out he has not been faithful.

The new house we bought i have put 7000 in towards mortgage and bills over the last 2 years, this has been based around an equal percentage of our earnings go into the house. On top of this we have made a lot of physical changes to the house to increase its value and its now worth 30K more than when it was bought. I totally appreciate the mortgage is in his name and the initial money for the house came from his old house sale and i would never try and take that from him. He is now intending on selling the home, is it right that ive contributed so much and will walk away with nothing?

[Deleted User]

Lizzie28177 wrote: »

He is now intending on selling the home, is it right that ive contributed so much and will walk away with nothing?

Whats going on here? Are you splitting up or something?

Lizzie28177

Deleted_User wrote: »

Whats going on here? Are you splitting up or something?

Yes we are separating.

hazyjo

What were you paying each month, and how much were all the bills and how much was the mortgage each month?

Very rough calculations show that £7000 / 24 (months) = £291. That doesn't seem a lot for half all bills and mortgage (and I presume it wasn't 24 months dead on anyway so may come to less).

You'll need to prove that some of the money you paid was towards the mortgage, not just half the bills. If what you paid only covers half the bills, you prob won't be entitled to anything. You certainly won't be entitled to half the bills money back.

Have you actually paid extra for the improvements on top of the £7k?

Slithery

Lizzie28177 wrote: »

The new house we bought i have put 7000 in towards mortgage and bills over the last 2 years

How much would you have spent on rent and bills in those last 2 years?

hazyjo

Slithery wrote: »

How much would you have spent on rent and bills in those last 2 years?

Thought the same. Seems very cheap to me and sounds as though the BF knew not to take too much from her so she'd not be entitled to anything. Would certainly have been spending far more than that, surely if renting (or even sharing!).

Lizzie28177

For the last 6 months i have paid 50% towards mortgage and bills,for the first year it was 25%, this was because i was on a lot less money than him.

lisyloo

Lizzie28177 wrote: »

I was due to go on the mortgage in a couple of months time but unfortunately i have now found out he has not been faithful.

Would it not be best to patch things up for a bit? (Revenge is a dish best served cold).

[Deleted User]

If you have contributed towards the capital repayments of the mortgage and/or capital costs of improving the property then you can claim a beneficial interest in the property. You will need legal advice.

https://england.shelter.org.uk/legal/relationship_breakdown/cohabiting_couples_sole_owner/preventing_saledisposal_of_home/beneficial_interest

Have you discussed receiving a share of the equity with your ex partner yet. It would be easier if the two of you could come to an agreement without involving solicitors.

Comms69

Lizzie28177 wrote: »

For the last 6 months i have paid 50% towards mortgage and bills,for the first year it was 25%, this was because i was on a lot less money than him.

You may have a beneficial interest in the property. But no rights to reside there.


You should seek legal advice

Lizzie28177

Apologies, i have work out its been 18 months we have been here.

Yes i have paid for some of the home improvements too.

The overall monthly total of bills including mortgage was £1000 per month, so the first twelve months i paid £250 a month and the last 6 months was £500.

I have worked out of the mortgage so far i have paid £4000 of it, i appreciate its not a lot but its enough for me to be able to start again.