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Paying toward renovating when not on mortgage

55 replies

miserablenunsure · 29/07/2022 00:15

We are renovating a house that partner owns. He's asking me to put towards flooring etc. should I do this when I'm not in the mortgage.
FYI. I've been foolish. We have 2 ds together and have been together 9 years. He brought the house when I was unemployed (stay at home mum) said I couldn't be on the mortgage as I had no earnings. And he had me sign 'something' he said if I didn't understand to get a solicitor. I forgot about it. Then he said he needed it done asap. So I asked him what it meant when he signed and it was to say I wouldn't be a 'sitting tenant?'
I earn far less than what he does. And to make it worse he's my boss. Although o am looking for another job

OP posts:
bowchicawowwow · 30/07/2022 10:20

I think some of the replies on this thread are maybe a bit OTT. Not ideal working for your DP but it looks like OP is seeking to change that.

FWIW My DP isn't on my mortgage and has signed similar to say he won't be a sitting tenant. This is pretty standard when taking out a mortgage in one name only. Mortgage is in my name only and has been since I bought the house 10yrs ago as he had a poor credit score and also he didn't contribute towards the deposit in any way shape or form.

Over the last 10yrs he's chipped in towards flooring, redecorating, cost of a new boiler etc. He earns much more than I do and I honestly don't see a problem with this. He transfers me the mortgage payment plus housekeeping money each month by standing order and I pay it accordingly. We did get married a few years ago but we have been together 20 years and this has always been how we have worked.

DenholmElliot1 · 30/07/2022 10:25

OP is there any chance you were suffering with post-natal depression when you signed that document? I'm thinking, maybe you've got a good case there.

user1487194234 · 30/07/2022 10:46

have been a property solicitor for 30 years
it is very unusual for the title to be in joint names and the mortgage to be in 1 name

Sometimes mortgage companies will lend more if a non earning partner is not on the mortgage/deeds

the partner (including a spouse) has to sign a deed consenting to the mortgage

This means if the house is repossessed the partner has no right to object

The signing of the consent does not affect what would happen if the owner dies or they split up

That depends on various other factors mainly marital status

As an unmarried partner you are unlikely to succeed in a claim for a share in the house

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Fireflygal · 30/07/2022 10:51

Please don't panic. The fact that you are now thinking through the situation is good news. Btw, you were not unemployed, you were looking after his children.

How is your relationship generally? Do you have access to joint funds?

MmeMeursault · 30/07/2022 10:58

Wait a minute - he's also your boss??

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