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Ye olde moving in with thy partner dilemma

2

Comments

  • Socajam
    Socajam Posts: 1,238 Forumite
    1,000 Posts Second Anniversary Name Dropper
    I agree with Lazar's approach.
    Your partner will have to pay the mortgage whether you move in or not, so I really do not see the need to pay anything towards it - this is just asking for trouble later.
    I would agree with splitting all the bills (except the mortgage) 50/50, then save what you were paying in rent into an account (your name only) so that if and when the time comes to move to a bigger property and marriage - there will be a sizeable deposit.
    I would never allow anyone to contribute to my mortgage- the headache in the future if the relationship were to go south is not worth the money.
  • gary83
    gary83 Posts: 906 Forumite
    Part of the Furniture 500 Posts Name Dropper
    If it includes the standard things you’d expect in a house, Stuff like gas & electric, council tax, wifi, tv licence & you’re going to be using all the furnishings then £400 sounds pretty cheap to me, although that’s obviously depending where you are in the country.

    Where the waters can get muddied is it’s not just a business transaction though, are you both going to think of it as “our house” or will it remain her house that you’re allowed to live in & clutter up, could that cause resentment from either side? Who’s gonna pay for any maintenance? If you were to break up for whatever reason & you had to move out how would you feel about any money you’d put in the house?

    If you’re old enough to have left home & are now moving in with a partner you’re probably old enough for your mother to stop interfering in your decision as to who you live with & how much it’s costing you.
  • Puflet
    Puflet Posts: 58 Forumite
    Not sure if I'm missing something here, but it looks like the OP's partner wanted £950/month plus food, not £400 as other posts have stated.

    I agree that it's none of the mother's business.

    Whether this sum is a good deal or not I guess depends on whereabouts in the country it is, the nature of the accommodation etc etc, so I really can't comment on that. Would it make sense to compare it with costs of house shares on similar properties in your area to get some kind of "ball park" figure, and take it from there?
  • FtbDreaming
    FtbDreaming Posts: 1,128 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    See i think you should pay the going rate for a roof over your head. Whether she's got a mortgage or not if you werent in a relationship with her then you'd be paying that elsewhere. Also if you go on to have children then youll likely have to contribute a lot more than that so why not start as you mean to go on.
    Mortgage started August 2020 £69,700
    Mortgage ends Aug 2050 MFW: Aug 2027 
    Current Balance: £58,678
    MFW2020 #156 £723.13
    MFW2021 #26 £1184.71
    MFW2022 #11 £197.87
    MFW2023 £785
    MFW 2024 £528.15

    Determined to make it! 
  • Caz3121
    Caz3121 Posts: 15,918 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Puflet wrote: »
    Not sure if I'm missing something here, but it looks like the OP's partner wanted £950/month plus food, not £400 as other posts have stated.
    OP edited their post and changed £400 to £950.
  • Kim_kim
    Kim_kim Posts: 3,726 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Caz3121 wrote: »
    OP edited their post and changed £400 to £950.

    Huge difference, that was confusing me.
    If it’s £400 then absolutely half the bills of running the house could easily come to that. And if he’s grumbling about £400 she shouldn’t let him move in!
    £950, unlikely it’s just bills, so you go down the contributing to mortgage and all it’s implications.
  • getmore4less
    getmore4less Posts: 46,882 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    OP came back to change the post(nearly a day later) and did not provide an update or comment on the answers given.
  • Yalpsmol
    Yalpsmol Posts: 222 Forumite
    Is that you, Boris?
    Was that edited in too?
  • HampshireH
    HampshireH Posts: 5,032 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    £400 cheap and reasonable
    £950 extortionate for a small house and no food included (£1900 to run the house a month)

    So which one is it OP

    You surely know what everything costs. So really only you can know if you are being taken advantage of or its a reasonable request
  • davemorton
    davemorton Posts: 29,084 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Car Insurance Carver!
    WhosWho wrote: »
    it is a small house don't vote for boris johnson in the election anyway.
    Cheers.

    Edited for balance.:)
    “Quis custodiet ipsos custodes?”
    Juvenal, The Sixteen Satires
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