Posting for friend.
Friend has been with her DP for 2 years, she moved into his place 1 year ago. Not married, no children. Before that friend lived at home with parents.
Her DP has a shared ownership owning 70% of the property and 30% owned by a housing association that rent is paid to. Her DP pays the mortgage and they split the rent and bills. Because of this friend has managed to save a chunk of money.
Her DP eventually wants to buy more shares of the property but has never mentioned my friend being a part of this. He saves a little every month but realistically wouldn’t be able to mortgage the whole property even if he did get enough of a deposit to (need 5% of the remaining value).
Friend was wondering if it’s cheeky to ask him if she could be put on his mortgage then she would happily put down the money for the deposit and they can jointly own the whole property - no more paying rent. They could speak to somebody who can help them ring fence her DPs current equity and her deposit and then pay the remaining mortgage 50/50.
YABU - this should be led by her DP and she will see grabby
YANBU - it makes sense