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Buying a house and girlfriend moving in

jimbo2108
jimbo2108 Posts: 95 Forumite
Second Anniversary 10 Posts Name Dropper
in House buying, renting & selling
Hi,

I am currently buying my first property and my girlfriend will be moving in with me. I am paying the full deposit and the mortgage in my sole name as is the title deeds. In the unfortunate event we split up some years down the line is she entitled to any share in the property?

Regards,
«134567

Comments

  • need_an_answer
    need_an_answer Posts: 2,812 Forumite
    Ninth Anniversary 1,000 Posts
    What will she be contributing to the property financially?

    Will you be charging her rent for example or asking her to contribute to any improvements to the property going forward?
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  • jimbo2108
    jimbo2108 Posts: 95 Forumite
    Second Anniversary 10 Posts Name Dropper
    I wont be asking her to contribute to improvements however she will be paying 50% of all bills.
  • SmashedAvacado
    SmashedAvacado Posts: 1,262 Forumite
    1,000 Posts First Anniversary
    all bills eh - would you consider the bill for a new roof to be a bill or not a bill? What about a new boiler?
  • jimbo2108
    jimbo2108 Posts: 95 Forumite
    Second Anniversary 10 Posts Name Dropper
    Repairs etc will be paid by myself. I mean bills as in Groceries, water, heating etc.
  • need_an_answer
    need_an_answer Posts: 2,812 Forumite
    Ninth Anniversary 1,000 Posts
    So to be clear...

    She will be paying halve of the utility bills and nothing else?

    When you want a room redecorated she will pay for nothing in respect of that?...what about things like carpets and curtains?
    Presumably she chooses and you pay for it all....
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  • jimbo2108
    jimbo2108 Posts: 95 Forumite
    Second Anniversary 10 Posts Name Dropper
    I will be adding all the bills up (incl. mortgage) and splitting 50 - 50. Or should I leave the mortgage out and get her to pay just half the utility bills?

    The house doesnt need redecorating at present, I will cross that line when it comes to it.
  • need_an_answer
    need_an_answer Posts: 2,812 Forumite
    Ninth Anniversary 1,000 Posts
    If she contributes to the mortgage then she will have an interest in the property.
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  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Ninth Anniversary 500 Posts Name Dropper Combo Breaker
    If she contributes to just utility bills then I don't think she can claim.

    If she contributes to the mortgage payments or to any improvements/repairs to the house then she can claim a beneficial interest.

    If you want to be 100% safe then either don't move her in or don't charge her anything to live with you.
  • jimbo2108
    jimbo2108 Posts: 95 Forumite
    Second Anniversary 10 Posts Name Dropper
    So she will then own a %? or a % of the increase in price?
    We currently live in a rental house at the moment so thats why im asking as im currently at exchange of contracts on buying.
  • need_an_answer
    need_an_answer Posts: 2,812 Forumite
    Ninth Anniversary 1,000 Posts
    jimbo2108 wrote: »
    So she will then own a %? or a % of the increase in price?
    We currently live in a rental house at the moment so thats why im asking as im currently at exchange of contracts on buying.

    that would be for your respective solicitors to argue dependant on what the contribution has been and over what time,should it be necessary!
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