Mortgage in my name - living with girlfriend

Arsenal2019

Hello,

I am looking to buy a house and have a mortgage in the upcoming months. Long story short, if girlfriend moves in with me but did not contribute to any deposit for the mortgage but bank transfers me for bills / pays shopping and let’s say we broke up in a few years, would she be entitled in anyway to go for any of the house if she wanted to? If so, how would I prevent this?

I only ask as I came broke up with a previous partner last year and don’t want to be in the same situation again- granted that was a joint mortgage….. 

user1977

Arsenal2019 said:

if girlfriend moves in with me but did not contribute to any deposit for the mortgage but bank transfers me for bills / pays shopping and let’s say we broke up in a few years, would she be entitled in anyway to go for any of the house if she wanted to? If so, how would I prevent this?

Don't take any money from her?

Emmia

If your GF pays you the 25% council tax you pay when you lose the single person discount, and you split utilities and groceries she wouldn't be taking a share. You must in this situation pay the whole mortgage, and for repairs and improvements.

She should save the money she'd otherwise pay on rent, this will give her the money to find somewhere else if you break up, or to put into another property you buy together, or to buy a stake in the current property if the relationship develops in that way.

theartfullodger

'scomplicated...  Depends.  Say you then have kids, live together for 10 years, she contributes more by decorating, helping you with your work..etc etc etc.. then break up a judge may well award, and IMHO quite right to.

Think Shelter used to have things about relationships breakup on their website.

Can you see the future in every detail?  I can't.....

Arsenal2019

But what if she just contributes to shopping / bills and does so by sending me money ? And does this for  a few years and the relationship breaks down.  Would she be entitled to go for the house even tho she didn’t contribute to deposit / mortgage?

im just worried as I don’t wanna go through this again….

Arsenal2019

Emmia said:

If your GF pays you the 25% council tax you pay when you lose the single person discount, and you split utilities and groceries she wouldn't be taking a share. You must in this situation pay the whole mortgage, and for repairs and improvements.

Sooooo by this is it that if she paid no more than half the bills / mortgage she wouldn’t be able to claim anything for the house if the relationship was to break down 

_Penny_Dreadful

Arsenal2019 said:

But what if she just contributes to shopping / bills and does so by sending me money ? And does this for  a few years and the relationship breaks down.  Would she be entitled to go for the house even tho she didn’t contribute to deposit / mortgage?

im just worried as I don’t wanna go through this again….

What are you counting as bills and shopping?  50% of the bills (excluding mortgage repayments) and 50% of the groceries which would seem reasonable to me.

If you're worried you could always have a cohabitation agreement drawn up.

This question comes up almost daily on the forum as well as unmarried couples buying properties with unequal deposits.  There should be a sticky covering both topics or a MSE article that we can share the link to.

Emmia

Arsenal2019 said:

Emmia said:

If your GF pays you the 25% council tax you pay when you lose the single person discount, and you split utilities and groceries she wouldn't be taking a share. You must in this situation pay the whole mortgage, and for repairs and improvements.

Sooooo by this is it that if she paid no more than half the bills / mortgage she wouldn’t be able to claim anything for the house if the relationship was to break down 

Please read my answer again.

She must not pay any part of your mortgage or for any house improvements if you don't want her to gain a stake. Her moving in, shouldn't reduce these costs for you, if you want to ensure 100% ownership.

She can pay consumable bills like groceries, broadband/gas/electric/water type utilities which you should split 50/50. I'd avoid her paying more than this as she might then argue she's subsidising the mortgage. 

It might be best to have a joint account you both pay into specifically for the utility bills/groceries.

To be be crystal clear the mortgage should come out of your personal account.

Arsenal2019

_Penny_Dreadful said:

What are you counting as bills and shopping?  50% of the bills (excluding mortgage repayments) and 50% of the groceries which would seem reasonable to me.

If you're worried you could always have a cohabitation agreement drawn up.

This question comes up almost daily on the forum as well as unmarried couples buying properties with unequal deposits.  There should be a sticky covering both topics or a MSE article that we can share the link to.

Yes. 50% of the bills (excluding mortgage) and groceries shopping… 

ive thought about that but then equally I would imagine that would only start a huge argument!!

if you have the link to hand or know where I could find it that would be amazing

Thank you   

Arsenal2019

Please read my answer again.

She must not pay any part of your mortgage or for any house improvements if you don't want her to gain a stake. Her moving in, shouldn't reduce these costs for you, if you want to ensure 100% ownership.

She can pay consumable bills like groceries, broadband/gas/electric/water type utilities which you should split 50/50. I'd avoid her paying more than this as she might then argue she's subsidising the mortgage. 

It might be best to have a joint account you both pay into specifically for the utility bills/groceries.

To be be crystal clear the mortgage should come out of your personal account.

Hello,

thanks for your response again. That makes perfect sense. Thanks for your help and time!!!

Marvel1

Arsenal2019 said:

_Penny_Dreadful said:

What are you counting as bills and shopping?  50% of the bills (excluding mortgage repayments) and 50% of the groceries which would seem reasonable to me.

If you're worried you could always have a cohabitation agreement drawn up.

This question comes up almost daily on the forum as well as unmarried couples buying properties with unequal deposits.  There should be a sticky covering both topics or a MSE article that we can share the link to.

Yes. 50% of the bills (excluding mortgage) and groceries shopping… 

ive thought about that but then equally I would imagine that would only start a huge argument!!

if you have the link to hand or know where I could find it that would be amazing

Thank you   

In what way?