Buying a house with girlfriend ?

Why would you trust another human with something worth so much? when they are not contributing the same amount as you? .

Yea, this is why I never trust nurses. If it were me I'd not let any badly paid people who don't pay the vast amounts of tax I do work on my body....non of them contribute like I do.....oh wait. I appreciate this is not the point you're making as it's out of context but your mindset does seem to put logic over the heart. Now nothing wrong with that, but people are all wired differently so what seems the right thing for you, may not be for others.

We were all young once and think how easy it is to have great shags in your own house mindset often outweighs the "but what if it goes wrong" mindset.
 
My, you are a grumpy one! Are you married?

Nope, but I plan on settling down and having kids, of that there is no doubt.

The difference is I will go into it with my eyes open with a view towards making things easier if the worst case scenario does happen, instead of letting childish notions of romanticism stop me doing the sensible things.

You can be in love and still not let yourself be a mug of, they are not two mutually exclusive things and I know several people who are now divorced who wish they had realised this 10 years ago.
 
Yea, this is why I never trust nurses. If it were me I'd not let any badly paid people who don't pay the vast amounts of tax I do work on my body....non of them contribute like I do.....oh wait. I appreciate this is not the point you're making as it's out of context but your mindset does seem to put logic over the heart. Now nothing wrong with that, but people are all wired differently so what seems the right thing for you, may not be for others.

We were all young once and think how easy it is to have great shags in your own house mindset often outweighs the "but what if it goes wrong" mindset.

Put the wine down and step away from the bottle :p
 
She did say yesterday that she would pay the full mortgage and utilities every month and just use my wage to live on.

Massive alarm bells ringing here. Not 100%, but pretty sure if she's paying the full mortgage payments she's entitled to a fair bit...
 
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Massive alarm bells ringing here. Not 100% sure, but pretty sure if she's paying the full mortgage payments she's entitled to a fair bit...

Indeed. The absolute last thing the OP wants to do is pay the deposit and have her pay the mortgage whilst using his wage to live on!

That means the house could end up mostly hers if they split!

Incredibly dodgy.
 
One of my mates has been saving like crazy over the last 2 years to get a deposit together for his first house. This saving coincided with him meeting and getting engaged to this bird who is now moving in with him. He has tried to get her to contribute to the deposit (she is a well paid solicitor) but she blows her wage on £2.5k handbags on a regular basis! She has a flat in her name, yet will not contribute a penny to the soon to be marital home.

I shake my head and shudder when he tells me this, he nervously laughs it off saying 'she is just terrible with money'.

Love really is blind I guess.
 
One of my mates has been saving like crazy over the last 2 years to get a deposit together for his first house. This saving coincided with him meeting and getting engaged to this bird who is now moving in with him. He has tried to get her to contribute to the deposit (she is a well paid solicitor) but she blows her wage on £2.5k handbags on a regular basis! She has a flat in her name, yet will not contribute a penny to the soon to be marital home.

I shake my head and shudder when he tells me this, he nervously laughs it off saying 'she is just terrible with money'.

Love really is blind I guess.

I don't even feel sorry for people like this... I just the lesson isn't one he can't recover from.
 
One of my mates has been saving like crazy over the last 2 years to get a deposit together for his first house. This saving coincided with him meeting and getting engaged to this bird who is now moving in with him. He has tried to get her to contribute to the deposit (she is a well paid solicitor) but she blows her wage on £2.5k handbags on a regular basis! She has a flat in her name, yet will not contribute a penny to the soon to be marital home.

I shake my head and shudder when he tells me this, he nervously laughs it off saying 'she is just terrible with money'.

Love really is blind I guess.

Poor bloke.
 
The difference is I will go into it with my eyes open with a view towards making things easier if the worst case scenario does happen, instead of letting childish notions of romanticism stop me doing the sensible things.

You can be in love and still not let yourself be a mug of, they are not two mutually exclusive things and I know several people who are now divorced who wish they had realised this 10 years ago.

Couldn't agree more with you.
 
One of my mates has been saving like crazy over the last 2 years to get a deposit together for his first house. This saving coincided with him meeting and getting engaged to this bird who is now moving in with him. He has tried to get her to contribute to the deposit (she is a well paid solicitor) but she blows her wage on £2.5k handbags on a regular basis! She has a flat in her name, yet will not contribute a penny to the soon to be marital home.

I shake my head and shudder when he tells me this, he nervously laughs it off saying 'she is just terrible with money'.

Love really is blind I guess.

Unbelievable :eek:
 
Get a deed of trust, that's how we've done it as I put in the deposit. We own the house 50/50 but if we were to split up I get my deposit back before we split the rest.

All safe and good and we're happy, we are equal in our relationship I just happened to have the money saved.
 
Just do trust deeds / declaration of trust that basically states how much each of you own. It's what i did when i bought a house with my student Girlfriend, where we had enough deposit between us 70:30 ratio , but only i could have the mortgage in my name (and her as a dependent) .There may be an intelligent way of doing them such as year one = 10% of equity. Year two 20% of equity etc....
 
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Get a deed of trust, that's how we've done it as I put in the deposit. We own the house 50/50 but if we were to split up I get my deposit back before we split the rest.

All safe and good and we're happy, we are equal in our relationship I just happened to have the money saved.

don't think I'd be happy with that arrangement - it should be split based on % contributions

If you just get your deposit back then split 50/50 then you're losing out if the house rises in value

likewise if the house falls in value then she is losing out as despite making contributions towards capital repayment she walks away with nothing
 
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