Money Moral Dilemma: Should I ask my partner to put extra towards mortgage repayments?

REJP

Why did you and your partner not put £2,500 each into the deposit?  As others have said, why didn't you discuss this before getting the house?

Thrugelmir

Declaration of Trust. Matter solved. Where's the dilemma?  

sapness

This is something my partner and I also discussed. To remedy and if anything happened in the future we bought as tenants in common and so own different percentages of the house. This is then put in a declaration of trust. 

Now we just both pay equally into the mortgage
 

wend33

sapness said:

This is something my partner and I also discussed. To remedy and if anything happened in the future we bought as tenants in common and so own different percentages of the house. This is then put in a declaration of trust. 

Now we just both pay equally into the mortgage
 

Tenants in common doesn't necessarily mean you own different percentages in the property, it could easily mean 50/50 ownership but it does indicate the existence of a trust. Declaration of trust is the key to how the property is held.

980233

Not this one again under a different guise.

https://forums.moneysavingexpert.com/discussion/6292068/moral-dilemma/p1

nightstar12

My husband paid a bit more on our mortgage as I paid a couple of grand more than he did even though he had the money. We calculated it so that the extra he paid equaled to the amount I paid on the deposit over the first 5 years until we needed to find a cheaper one. This was only so we couldn't use it as an excuse or reason to harm the other (you never know!) Now, we're paying equal amounts and it's behind us! 

Paje

This sounds like a relationship doomed to failure if you have to ask this sort of question. Does it really matter who has paid more? In our relationship (not married) my partner owns the property, not me, but we pay for bills together. May not be 50/50 every month but it doesn't matter. Being together is the priority.

ap23xo

Hello.
I put down the whole deposit for our flat and we are currently splitting the mortgage 50/50. Whilst we earn the same money, he has loans to pay off. Once these are paid off, he will start repaying me toward the deposit. You could do this either via mortgage repayments, cash or household items. I think that's fair. If you ever decide to do things differently down the line you can work it out then. I think the idea of 'what's mine is yours' is fading out as women in particular are becoming more independent. You can also get a tenant in kind letter drafted by a solicitor which will declare who put what into the house, making it easier if you were to sell or part ways (marriage may affect this). 
I don't think it is petty to ask for the money back in some way. I guess in your case it is £2500 which should be manageable for your partner. 

ap23xo

couldobetter said:

Thrugelmir said:

Declaration of Trust. Matter solved. Where's the dilemma?  

[DELETED BY FORUM TEAM]

This is a ridiculously misogynistic view which should be reported/ignored. 

Pollycat

980233 said:

Not this one again under a different guise.

https://forums.moneysavingexpert.com/discussion/6292068/moral-dilemma/p1

Well spotted.

From this thread:

MSE_Kelvin said:

This week's MoneySaver who wants advice asks...

My partner and I have just bought our first home together and I contributed an extra £5,000 to the deposit so we could get the home we wanted. Should I ask my partner to contribute £5,000 to something else related to our home, such as mortgage repayments, or is that just being petty considering we've just bought a house together?

From the thread started 23/8/2021:

natkirt said:

My partner and I have just bought our first home. I contributed 5k more than he did to the house deposit. Should I ask him to pay 5k more to something else like repayments, or am I just being petty?

5 pages, 49 replies.

The only response from the OP of the original thread:

natkirt said:

Just for context, the question was directed more towards if people found it beneficial to have completely equal equity, or if it doesn’t matter and I shouldn’t ask for anything? We have very similar wages, I had just been saving for longer. 

It’s a discussion we’ve had a few times but never settled on a definitive answer about how and if he should pay extra towards something else - it’s not something I’ve considered in secret retrospectively!

Hasn't this MMD been done to death already?