AIBU to advise my daughter that she'd be daft to not put her name on house deeds?

It’s very normal to have this situation - a deed of trust is drawn to recognise his initial contribution as a percentage of the property value and they register as tenants in common with land registry with corresponding percentage of ownership - purchasing solicitor will do this easily

I think they may need to make wills to be sure that any contribution is protected
i think something like a deed of covenant may provide protection
what happens if they split I think they need proper legal advice have you tried C.A.B

Absolutely if she is paying the mortgage and bills.

Just get a solicitor to add a clause that says when/if the house is sold he gets back his deposit before anything else happens or is divided.

Very common i thought? We did this when me and my partner bought a house. My deposit was much higher so we just got it written in to the contract

If the property in going to be mortgaged (which you imply it is by saying he has a lump sum rather than buying it outright) then it’s not your daughter decision to make. If she’s on the mortgage then the lender will want the house in joint names, but if she’s not on the mortgage, the lender won’t allow someone to have another claim on it.

They need a “deed of trust” - it will protect the £60k he is putting in and then they split the remainder from the sale of the house (if they split)

After several disastrous failed relationships among young people I know, I'd say to anyone don't do this!! One young man lost most of the money he put into his London flat after he and his gf (who were not married) split acrimoniously. Either buy on your own, or only with a husband/wife or Civil Partner. Otherwise your investment is not protected...

It’s all good everyone saying “tell her not to do it?”. However, she’s 20 and knows best so will do what she wants to do. OP is best considering advice to protect herself (and the bf) so if they do split, it’s an easy and fair one.

I was mid 20’s when I moved in with my bf. He already owned a house that he had bought with £50k inheritance as a deposit. I ended up going on the deeds and contributed £10k. We wrote in that if we were to split, he would get £50k, me £10 and we would split any equity if price went on. That was the fair and right thing to do to protect his inheritance and also allow me on the deeds. Inevitable we are now much older and once we married/had kid/moved house that all got forgotten about in future mortgages and all is equal.

Write the deposit into the contract - gives everyone peace of mind (his parents also).

If she's not on the deeds, then she shouldn't be on the mortgage or paying the mortgage. She can halve the bills but if he wants it to be his house, then his house it is.

If he wants her on mortgage then she's also on the deeds with a deed of trust protecting his deposit.

But we still await OP clarifying exactly what paperwork her DD has signed or proposes to sign

The bank want the DD to have a solicitor in that type of arrangment because the client for the purchase of the property is the BF not DD.

Your post is a muddle

If you are arguing that she might be on the loan but not the deeds then THEY ARE BOTH CUSTOMERS OF THE LENDER

So what are you actually talking about here?

In such an arrangement they are both customers of the lender and the lender has the same duty of care for both.
If they instruct her to take independent legal advice then she will be fully versed as to the risks and if she has any sense won't agree to it.

I don't believe this is what is happening here as OP has never mentioned independent legal advice. I suspect DD has just been asked to sign an occupier consent form

I'll never understand the vitriolic responses to genuine enquiries for opinions and advice. This seems a very reasonable post.

I don't agree that he's buying a house that she will live in if she's paying half of the mortgage.

IMO your instincts are correct, he should legally ring fence his deposit (and protect the percentage it represents of the value of the property as it rises) and she should be on the deeds if she's paying half of the mortgage. I assume being named on the mortgage and not just contributing to bills will give her some protection. All of this needs to be discussed with a solicitor before things progress.

And as anyone is, she is free to report those posts if she so wishes. I suppose if someone starts a thread, as many do, and as many of us comment on and point out over loads of threads, without the right information or misinformation they're going to get old that. If thats viewed as scolding or patronising, thats not my problem.

If she was renting she presumably would have her own room, be a signotory on a legally binding contract, and not be having sex with her landlord.

That's my point, she literally opened her post saying my daughter is planning on buying a house with her bf and 14 pages in people are still saying he's buying the house solos. She's been accused of drip feeding that they're buying it together, and it's literally the first line of the op.

Perhaps you didn't read OP’s posts; “I'm jumping ahead a little, they've seen one or two houses they like and although they've not applied for a mortgage as yet, they are planning to together.” If DD is applying jointly for the mortgage, then she is jointly buying the house. BF can have his deposit ringfenced and protected, but the house will be jointly owned.

When my fiance and I bought our first house together he had a £20,000 deposit. We went to the solicitors and asked them to ring fence his deposit, this meant he was protected. I was automatically named on the mortgage and deeds because I was paying jointly.

This would be my main concern too. Your daughter has had very little life experience at her age. Many people are very different at 30 to what they were at 20.

at this stage and for a few years yet they won’t really be paying much off the capital. They will largely be paying interest. And if house prices were to go down she could be buying into a loss. So she doesn’t really have much at risk financially if the relationship breaks down in the first few years. In fact she would be able to walk away with any money she’s saved. It’s very unlikely she would be missing out on some huge profit based on house price increases and equity (outside of the £60k which isn’t hers anyway).

i think a better time to buy in would be a few years down the line.

but as you say ultimately it’s her decision, you can only suggest what the different options may be

Maybe 'vitriolic' was an exaggeration but you have certainly scolded OP in a very patronising, finger wagging fashion. You have told her that her OP was 'dire', called her over sensitive and told her to 'step away' from her own thread. It has come across as very unpleasant.

how long have they been together?
why can’t he buy without a joint mortgage?
Because ultimately she’s giving up her first time buyer status to join in on a property that she hasn’t paid a deposit towards nor will she be on the deeds. It sounds more like he wants to get a nicer house with a mortgage that is only coverable by two people. Sounds quite disastrous.

in this instance I’d advise your DD to not go on the mortgage and save her first time buyer status.

No, Im saying the complete opposite, Ive been helpful, it may be helpful to other posters, OP posts in AIBU, hence people will comment about whether she is, not just in terms of the question but other things. She absolutely isnt obliged to do anything she doesnt want to and neither am I.

Im wondering about the definition of vitriolic. What vitriol have I displayed exactly?

Commenting on Mumsnet is pretty much the definition of people wasting their time. The OP isn't obliged to act on other poster's advice and many OPs can't even be bothered return to the thread they started to provide updates or further information.

I'm not sure why you are being so rude and vitriolic toward's OP as though she owes you something for the time it has taken you to post your unhelpful comments.

I think you are and probably best you step away than continuing to argue. If a random no body on a thread, who you're never going to meet and is entirely insignificant to your life is perceived as 'making demands' of you due to a mundane post on an internet site, then its time to have a cuppa and calm down.

Most of my time is spent wasting my time so dont worry about that.

I think you are highly oversensitive judging by that. I havent been 'nasty' and nothing I have posted indicates Im a 'right misery'. I have given, informative and accurate information so that other people know some facts about house buying and mortgage company expectations, replicated also by others on the thread.