Who does the house go to when a partner dies? Partner disagrees.

[Deleted User]

He's also suggested getting the house valued now and then using that value plus or minus average house price change in two years time to use that for the value that I buy the brother out at (in 2025). So then my partner and I can make decisions together and put towards house renovation costs instead of my partner and his brother, who isn't interested as he's planning to leave in two years. I was reticent to agree to that as I would be paying towards changes to a house I didn't yet own.

Do you REALLY want to live with him AND his brother for two years and pay to do so? The two of them are currently paying 100% of bills between them, but if you move in you say you will be paying half of of bills, WHY? Surely it should be a third?  It is their house, they pay the mortgage while both of them live there. You shouldn't be subsidising them, you're the girlfriend not a lodger!

Flody994

[Deleted User] said:

He's also suggested getting the house valued now and then using that value plus or minus average house price change in two years time to use that for the value that I buy the brother out at (in 2025). So then my partner and I can make decisions together and put towards house renovation costs instead of my partner and his brother, who isn't interested as he's planning to leave in two years. I was reticent to agree to that as I would be paying towards changes to a house I didn't yet own.

Do you REALLY want to live with him AND his brother for two years and pay to do so? The two of them are currently paying 100% of bills between them, but if you move in you say you will be paying half of of bills, WHY? Surely it should be a third?  It is their house, they pay the mortgage while both of them live there. You shouldn't be subsidising them, you're the girlfriend not a lodger!

Because a third of the bills was decided as not enough seeing as I wouldn't be paying towards the mortgage/rent anywhere, and would be saving lots of money.

RAS

Flody994 said:

[Deleted User] said:

He's also suggested getting the house valued now and then using that value plus or minus average house price change in two years time to use that for the value that I buy the brother out at (in 2025). So then my partner and I can make decisions together and put towards house renovation costs instead of my partner and his brother, who isn't interested as he's planning to leave in two years. I was reticent to agree to that as I would be paying towards changes to a house I didn't yet own.

Do you REALLY want to live with him AND his brother for two years and pay to do so? The two of them are currently paying 100% of bills between them, but if you move in you say you will be paying half of of bills, WHY? Surely it should be a third?  It is their house, they pay the mortgage while both of them live there. You shouldn't be subsidising them, you're the girlfriend not a lodger!

Because a third of the bills was decided as not enough seeing as I wouldn't be paying towards the mortgage/rent anywhere, and would be saving lots of money.

If they were daft enough to put that in an email, text, then it would be clear that actually a portion of your household costs are actually contributions to the mortgage.

And do not pay anything into improvements until you have a legal stake in the house.

A friend did and even though she would legally be entitled to a share of the equity, she'd have to either force a sale, or wait until ex sold the house. AFAIK he's still living there and using the extension she had to pay the loan on for 5 years after they split up.

[Deleted User]

Flody994 said:

Purbeck14 said:

He's also suggested getting the house valued now and then using that value plus or minus average house price change in two years time to use that for the value that I buy the brother out at (in 2025). So then my partner and I can make decisions together and put towards house renovation costs instead of my partner and his brother, who isn't interested as he's planning to leave in two years. I was reticent to agree to that as I would be paying towards changes to a house I didn't yet own.

Do you REALLY want to live with him AND his brother for two years and pay to do so? The two of them are currently paying 100% of bills between them, but if you move in you say you will be paying half of of bills, WHY? Surely it should be a third?  It is their house, they pay the mortgage while both of them live there. You shouldn't be subsidising them, you're the girlfriend not a lodger!

Because a third of the bills was decided as not enough seeing as I wouldn't be paying towards the mortgage/rent anywhere, and would be saving lots of money.

But they are already paying the bills between them, you aren't going to use 50% of electric etc. If you pay half do you not see that you would be in essence already paying  towards their mortgage? THEN expected to have saved enough to pony up half when you buy  the brother out. 

Flody994

Yes, that does make sense, thank you. We were just trying to do what was fair for everyone.

[Deleted User]

I suspect it is too late already, but PLEASE for your own future security ( and sanity) talk it through thoroughly before you move in, get outside legal advice on what rights you would have, now and in the future. Losing your money may be one thing, but too often it comes with losing your self respect too and clawing that back can take a lot longer. 

Flody994

[Deleted User] said:

I suspect it is too late already, but PLEASE for your own future security ( and sanity) talk it through thoroughly before you move in, get outside legal advice on what rights you would have, now and in the future. Losing your money may be one thing, but too often it comes with losing your self respect too and clawing that back can take a lot longer. 

Thank you. It's ok, I haven't agreed to move in yet due to being unsure with all the details and complications and know we need a lot more discussion first before agreeing to anything, plus me getting legal advice. 

Sea_Shell

Sorry if I've missed it...

Is your boyfriend's brother also currently living in the house?, and if so does he have any intention of moving out, and is that dependant on you buying him out?

CSI_Yorkshire

This is all getting quite confusing.  OP, do you live with your partner at the moment?  Or does he live with his brother in this house?

Flody994

Sorry, it is a lot. Yes, my partner and his brother currently live at the house together but I rent somewhere else by myself. The brother isn't planning to leave until the mortgage fix ends in two years.