Am I paying too much to live at my partners house?

If you're saving £200 or more on your outgoings by living with your partner, then you are benefiting just as much as your partner.

Op living her her Dps, with no rent, so she can rent her house out, not have to pay her own mortgage, so getting huge financial benefit there……would also make this a business relationship. Following your logic.

You could argue that he is facilitating her to have all the benefits of home ownership (mainly that it will keep increasing in price) with a steadily reducing mortgage. Why should he do that?

She wouldn’t be able to rent out her property if she didn’t live with him.

She should get something in place so he can’t make her leave immediately and that she should get some notice if they split.

All these posters saying “ creating an interest in the property” just paying to actually “live” somewhere - ridiculous !

Plus not many of you would know the expense and time involved to present an extremely complex beneficial interest case in a Lands Tribunal and especially one without merit.

OP - you are actually getting a roof over your head. Its not just purely paying for bills.

This changes the balance of things. By "hardly any profit" I assume your tenants are covering your repayment mortgage, so at minimal cost to yourself your house is being paid off.

Perhaps your partner would like a turn at renting his house out so he has no rent or mortgage to pay - and live in yours for a bit with you paying the mortgage?

The only reason you can rent out your house is because you are living at your partners so you need to share his housing costs to at least some extent.

Is he cutting back on utilities because of the cost of living? Is his mortgage interest rate shooting up? You don't sound like much of a team.

Have you registered for self assessment for your rental? HMRC treat capital repayments off your mortgage as "profit" and if you are a higher rate tax payer - or the rent received makes you one - your mortgage interest is not fully deductible as an expense. If most of the rent received pays your (repayment) mortgage you need to save a chunk of cash to pay your tax bill.

I’d base it on what the market rent would be to live in the house and then reduce a bit cuz you’re his partner.

If he doesn't want you acquiring a financial interest in the property then you shouldn't be contributing more than half the running costs minus the mortgage.

You shouldn't be paying any form of rent. You are a partner not a tenant. Rent would make this a business relationship and you would have the rights associated with being a tenant. I'm amazed that people are advocating that it's okay for a partner to charge you rent on a home you are sharing and yet clearly expect him to be able to boot you out at any moment. It's completely unethical.

You should be only paying half the running costs, and I would say the same whether you were a man or a woman posting. If he is looking for a source of income he should have gotten himself a lodger.

Work out outgoings and split them 50/50. Easy!

So you pay £200 rent and half (£400) toward bills. If bills are going down the £400 needs revising.

That seems fair. Though I wouldn’t be happy with him cancelling sky, or similar without discussing it if I was paying for half of it.

Yes but 400 of that is her half of the bills.

Half the bills plus £200pcm rent is fine. What isn't fine is if the bills go down and he doesn't then pass on half the reduction to you.

£800 for utilities alone sounds very expensive, ours are £370-420 depending on if tv license is due. I do think you should pay 'rent' though considering you have someone renting your house and paying off your mortgage. Do you know how much his mortgage is?

She does own her own place. She is renting it out. So OP is not putting herself in any kind of tricky financial situation from what I can gather

Funding living arrangements where you have no financial interest and no security of tenure. Especially if you were previously in a position to own your own place.

When DH moved into the flat I owned, he paid half of everything including the mortgage (we had paperwork signed so he had no right to it, we weren't married then) . He was perfectly happy to, he was saving loads in rent and didn't expect to live off me. Everyone has housing costs pretty much, you're just paying either the bank or your landlord. More than half of the monthly outgoings on that flat eye mortgage and service charge, so if I'd paid those and he'd paid half the bills I would've had significantly higher outgoings than him. That's not a partnership.
He benefited in the end anyway, that flat went towards a hefty deposit on our house.

I agree, £600 is a steal! I think it would be normal to pay half of bills plus a bit as “rent”.

She pays £600

barely any profit is made on your own property.

Riiiight....

So you're making a profit off being a landlord but feel you should pay less than a lodger would to live in someone else's property.

I think you're the CF here. Do you think this dude is cancelling stuff and switching to cheaper tariffs for the hell of it?

I don't think you're paying "too much" if you're paying less than it would cost you to rent elsewhere. I do think it's madness to put yourself in that financial situation though.

Split the bills and living costs how you wish (50/50 or proportionate to salary) but I'd not suggest anyone pays towards anyone's mortgage in a romantic relationship unless it's drawn up on the deeds accordingly.

The red flag here to me is that he's looking for ways to save money on utilities, but isn't being open about it or passing these savings to OP. It would leave me questioning if I'm on the same page as him financially.

This has got to be one of the most disingenuous Poor Menz post I’ve seen for some time! Who said she shouldn’t pay anything?

Have you rented it out because you have moved in with your partner? When you say barely any profit is made presumably the rent covers your mortgage or most of your mortgage?

In which case it sounds like you have a pretty good deal. You’re able to have your mortgage paid by someone else and then pay just £200 towards your partners mortgage.

I’d have a sit-down discussion with your partner to work out what you both feel is fair - include all incoming and outgoings (including your mortgage and the rent you receive).

Also, the people saying OP would have a right to a proportion of his property by paying money towards his mortgage are incorrect. Only if she had paid funds directly into his mortgage account would she have any claim.

I think half utilities and plus say £100/£200 a month rent

For about 15 years of my relationship with DP we lived in his house and I paid him a lump sum every month. He sat down, worked out the household outgoings on mortgage, utilities and council tax, and then just split it in proportion to our salaries so he was paying 65% and I was paying 35%. But during that time, when he switched utilities, changed the TV and broadband package or whatever, he would recalculate and adjust things accordingly - he didn’t just carry on charging me the same amount and pocketing the excess as profit!!