Mortgage Relationship Query
- Thread starter tang0
- Start date
Soldato
Legal advice is required obv, because you never know. Best of both worlds it’s make them Tennants in Common and maybe gift her 10% of the house (if she’s a keeper I’d ladder this up to 50% at the rate of 10% every 10 years 
).
).
doubt he'll be holding any part of the stick at all tbh
half of the equity is like what...£50-70k?
what's to say that the partner doesn't leave him the day after completion and take that sum of money
He's crazy imo.
Me and my gf have a 70/30 split as Tennants in common (or whatever the term is)
I put in more deposit, I pay most of the mortgage.
I've always said..
"If our relationship lasts forever it doesn't matter who owns what...
If our relationship ends it's completely fair."
To me this is clean, fair and right. Not sure how anyone can argue any different.
Me and my gf have a 70/30 split as Tennants in common (or whatever the term is)
I put in more deposit, I pay most of the mortgage.
I've always said..
"If our relationship lasts forever it doesn't matter who owns what...
If our relationship ends it's completely fair."
To me this is clean, fair and right. Not sure how anyone can argue any different.
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I'd counter this with.. What is the issue with having a fair split?
How many relationships go sour? How many unfair divorces are there?
Why would anyone object to having a split that's fair? Why would someone insist on 50:50 if they had put in nothing?
Money is an asset. Why make it emotional?
Id counter this with.... Why is EVERYONE (You included) in this thread so obsessed with the idea that she is immediately going to leave him and rip him off ?
Why is everyone acting like such a "hard done by" incel that they immediately assume he's going to be ripped off the second she has the opportunity?
If the money and assets mean more to you than your "prospective life partner", that says a lot.
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Soldato
The word incel is such a lazy personal attack, should be a banned word on the forum.
Because if it does happen he could effectively be ruined.
I'm not sure about everyone else. But it's taken me a lot of life to build up being financially independent.
No way I'd risk losing 50 percent of that.
Anyone asking to go 50:50 on my entire wealth... I'd be asking... Why are you asking this?
And I can't think of a single reasonable reason.
It's a descriptive term for a significant number of people who are posting in this thread.
If descriptive terms are suddenly "lazy personal attacks" we might as well close the entire forum, eh?
No, no he couldn't.
As other people have pointed out, he would be splitting the equity gained on the property.
Equity they didn't have before, so they have still "gained" even if his partner were to leave and "take half".
Equity gained on the property while they both lived there (and presumably looked after the place).
Your attempt to spin it that she will take 50% of his "entire wealth" is just fundamentally untrue.
If the partner is a life partner... It doesn't matter about the split. Because you're together forever.
If someone wants to go 50:50 the assets obviously matter to them?
Because if it doesn't matter.. 100:0 or 50:50 should be OK.
In my will it's written my partner gets it all.
But if we split. I want it fair.
Its fantasy to assume you're relationship is forever.
Soldato
It's not descriptive at all, you don't know anything about posters. You don't know if a single person here is celibate, never mind whether it's involuntary. All the baggage that comes with the term likely doesn't apply to a single person here.
Edit: Link in case you don't even know what you're saying:
Incel - Wikipedia
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If they split tomorrow there would be no equity gained.
And you've said why should assets matter? If they don't matter why go 50:50?
The OP is specifically referencing the house (and it's purchase).
If there was no equity gained then she couldn't "rip him off and take half" could she?
If assets and money matter so much, perhaps you have a stronger love of wealth and earnings than your (prospective) life partner?
Yes, it is a fantasy to assume your relationship is forever, but equally it's an (incel) fantasy to assume it's going to end with her running off with half his stuff, is it not?
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Incel is now an overused word that is thrown around with no consideration for what it actually means.
People are planning for the worst, in a situation that smells very fishy and has a higher chance of going sour than a “normal” relationship.
Half the deposit at present? That could be 10s of k?
Soldato
I would agree this is not the way one would wish to start a relationship, but my TIC ladder idea is both funny and genius