How much do you and your partner pay towards mortgage/rent each?

I pay for our house (all outgoings) from my standard personal current account. She has a standing order for approximately 50% of the average amount into another of my accounts. We have thought about opening a house "bills" joint account but there really wouldn't be any point.

Works out to around 50/50 in the end.
 
I moved in with my partner and she already payed the mortgage so to keep it so she did not owe me anything if the worst was to happen as she has children too we decided for me to pay for things like food and the car and such as to keep this simple if anything was to break down.
 
I earn roughly 50% more than my partner and we initially started out with a joint account and transferred enough to cover bills/mortgage etc but have since decided to just both have our pay put directly in to the joint account and forget about messing around with who pays what etc.

We both transfer a bit of money out each month for spending so that we know the joint account will always cover what we need it to and more.
 
I pay the whole lot. The missus has a full time job looking after my son, so frankly its the least I can do - the little chap is a terror!
 
Before we were married we split the mortgage 50/50 but I paid a lot more in terms of deposit when remortgaging and moving home.

You didn't ask about post marriage, but to complete the picture we kept paying 50/50 until she went on maternity leave. I now pay all the mortgage/utilities etc and she tends to just pick up the joint credit card bill (mostly groceries and fuel), which usually comes in at around 40-60% of the bills depending on what we buy during the month.

One slightly strange quirk is that there has been a big swing in terms of salary - when we bought our first house, she was earning about 60% higher salary than me, whereas I now earn about 40% more than her.

Finally as an aside I think the proportion of mortgage payments only really tells half the story as it also depends on how much capital each partner laid out (in other words total outlay towards the property) - I've probably paid over 3x the total my wife has despite the fact the mortgage contributions themselves are very close.
 
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Windle said:
We have a joint account for our mortgage, utilities and house bills. We both pay an equal amount in which covers slightly above 50% of the average monthly outgoings.

We both maintain our own account and each person is free to send the rest of their cash as they wish.

Background: Been together ten years, owned joint mortgage 2 years, lived together 5 years

Works well, 50/50 prevents any arguments ( she buys too many shoes...)
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Pretty much same as this. Joint account pays for all household costs - rent, bills, furniture as well as fuel for the car and dinners/nights out. We put in the same amount each month. We share a car, which I paid for as I wanted something decent and cover the running costs apart from fuel.

As I earn more, I save more so when the time comes I will be contributing a significant amount more towards the house deposit or use the residual to buy an investment property. We agreed that this is the fairest way to do it.
 
I pay it all. She spends hers on shoes and bags. I jest. I do pay it all and have done for a good few years (we just got married in August) but that's due to circumstance and jobs at the time.
 
I'm in the process of buying my own place. If the gf moves in I'd probably split bills 50/50 and then split the mortgage interest payments 50/50. She earns a few k less than me but splitting the mortgage interest payments would mean:

1. I continue to own 100% of the house and in the event of a split, she wouldn't be able to claim partial ownership.
2. She'd be paying less than what she's paying in her current place and a lot less than market rent.
 
I have recently bought a house with my gf who I have been renting with for 2 years prior to the purchase.

First off, Our wages... She is a teacher and I work in IT, I earn roughly 10k a year more than she does and sit around the mid 30k mark so you can work out from that what we are on.

When we were renting my girlfriend insisted we paid 50/50, We each got paid into our own accounts and then transferred a flat amount into a joint account that the rent/bills/food/Travel and any joint night outs were taken from. Of course additional bills came in or if food cost more than it should have done I paid the extra because I earned extra.

Now we own it has been reversed. All of our wages are paid into a Joint account and then we transfer £150 a month into our personal accounts and that is our "spending" money for the month for whatever we want, including nights out, toys, clothes we WANT not need, pc upgrades, lads/girls holidays etc etc etc :( This works great other than the fact I am crap with money.

If I was in your situation I would have an agreement drawn up stating that you pay 50% more of the mortgage than your other half therefore you own 50% more of the house if it comes to selling it simple as that. Myself and my GF have done something similar in terms of the deposit as she paid around 20k and I paid around 10k so before any equity is split from the house we each get our initial deposits back then the equity is split.
 
In a purchased house, I would expect all of the owners to pay 50/50 towards the mortgage

My wife and I have had joint accounts since before we were married anyway, with all of our wages paid into that
 
ci_newman said:
In a purchased house, I would expect all of the owners to pay 50/50 towards the mortgage

My wife and I have had joint accounts since before we were married anyway, with all of our wages paid into that
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What if you have kids after making the purchase and one of you decides togive up their career or change to a much lower paying job that allows them to look after the kids? Do you have to move to a cheaper house so that the lower earner can afford 50%?

Or do you remortgage to reflect the split in capital?
 
I pay the mortgage, the bills and childcare. I put up all of the cash for the deposit for the house.
 
Our total household bills each month are about £1000, (mortgage + utilities + council tax). I earn 2x what my GF does so I put £600 into our joint account each month, she puts in £400.

I put all the money up for the deposit though, so in the event we sell, we have a deed of trust in place that I will get the deposit money back first, then everything on top of that is split 50/50 which I don't really mind about.
 
[DOD]Asprilla;24988771 said:
What if you have kids after making the purchase and one of you decides togive up their career or change to a much lower paying job that allows them to look after the kids? Do you have to move to a cheaper house so that the lower earner can afford 50%?

Or do you remortgage to reflect the split in capital?
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That's changing the living arrangements though as not many people will have children born outside of wedlock, and wedlock changes the legal perspective on it all anyway.

A fairly moot point for me though, as my wife and I have had a joint account for all of our monies since we've lived together (before getting married).
 
£600 each, will be mortgage free by end of this year :). Even though my mortgage at the moment is only £600 per month but have decided to finish it off quickly so leaves me and the missus with even more disposable money to treat ourselves.
 
In female eyes if you earn more but you still pay 50/50 she will still have the same money, aka yours, to spend ;).

I'd do the whole 50/50 thing but knowing me I'd get bogged down with a girl that wanted a 'shared' account where all our money goes in.. even before marraige.
 
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