Moving into boyfriends house, ok to ask for 10% of the house increasing each year

[User1234567889]

Boyfriend owns his house outright. I'm planning to move in and we will split all the bills 50 / 50. As there is no mortgage there are no housing costs for either of us.

What do you think about asking for 10% of the house in the case that we break up and this going up 5% for every year we live together until it caps off at 50%? No children together yet but I want to be protected and not end up with nothing.

YABU. You'll be living rent free! Can't believe you'd even ask 😲

Save the rent money you would be paying elsewhere and buy your own place as an investment buy to let.

I'm not sure what I think about this really.

Could you save what you would otherwise be spending on a mortgage/rent so you have your own nest egg in the event of a split?

Good idea to plan it out now though before having children!

Is this a joke?

It might be more reasonable for you to put what you're saving in rent into an account for yourself and build up a lump sum in case you break up?

Why exactly do you think you are entitled to this?

Wow, really? Sorry need to go away and think of some supporting points.

YABU save up, get a rental x

No way. If you are not paying rent even how can you possibly claim to have any kind of claim on the house that he has bought outright before you came along? Bills etc are just paying for what you use as you go along. I agree with pp that you should use the money you save to invest in a place of your own and rent it out.v

but you haven't paid anything towards the ownership of the house?! and you are living rent free?!

?!

good luck though.. you never know he might be smitten enough 👍🏼

User1234567889. Oh, right.

Put away in a savings account what your old rent was and when you've got a deposit get a buy to let.

That doesn't sound fair. Save your 'rent money' and buy a buy to let.

😂

Buy your own house!! Can't believe how cheeky you are. To pay no mortgage or rent but to expect a stake. Paying 50% of bills will allow you to save well for a deposit of your own. He owes you nothing. We are in the same position, however, I don't ask for bill money but he buys food. If he thought he'd get a stake in my house it would end our relationship.

Are you planning to do some major work yourself on the house, OP? If not, I'd count yourself lucky you're living somewhere with no housing costs and leave it at that.

I don't think that's how it works OP...

Why on earth would you be entitled to any part of a house, to which you have contributed absolutely nothing financially?

It would be entirely different if you were a SAHM giving up a career to facilitate your partner's earning power, but you are working, capable of earning money and you have put nothing at all into the house.

You want to be 'protected' - from what? Having to fund your own lifestyle one day?

If you want to look after your own financial wellbeing then put the rent/mortgage money you're saving into an account to buy your own house one day.

And would you pay him 10% of any loss if the house price goes down? YABVU. You should save your rent money if you think you might split up in the future. Otherwise you should use the rent money for the upkeep of the house.

It might be ok to ask for 50% of the increase in value from now on but you can't ask for any of the value of the house as it is now. That's his and if I was him I would be protecting that. It could change with kids but you putting forward that proposition now would make me run for the hills.

Buy a btl of your own.

Now I've heard everything!!

Yes. YABVU. As pp suggest. Save the money you would have spent on rent each month and buy a flat if you want your own security.

If u were paying rent, then maybe, but as you are living rent free, then it is unreasonable and selfish.

I think if I was your boyfriend I would be protecting my own future and telling you not to move in.

Build your own nest egg. Don't piggyback off of his. You're an independent person.