Boyfriend's on much more money than me and it's making me worried about the future

[LalaLaLaLaLaLaLaLa909]

I'm 25 and a supply teacher so i'm basically on a zero hour contract. I do work usually at least 4 days a week and come home with a weekly income ranging from £280 to £480ish
But obviously i dont work summer holidays.
I have only been on supply since september since i only graduated this year.
My boyfriend of a year however has a well-paying job. He's 24 and on £60,000 a year. I wont say his job as to not give too much away.
He wants to get a mortgage in the next year or so and would like me to move in with him but i dont know how mortgages work with such different salaries.
I feel so much anxiety that im never going to be able to afford to move out of parents :(
Teaching is so competitive to get jobs in but of course i'll be trying but not guaranteed so may be another year of supply.
He says he doesnt mind the mortgage being in his name and i pay bills but i just dont know!
Aibu to be worried???

You’ve only been together a year. I’d give it a bit longer until you are more settled in your career.

What subject do you teach?
I work in education and we, & every school in my area, are crying out for teachers.

Unless you have a v niche or plentiful subject (media/psychology or PE/art) then I'm surprised you've not been offered an NQT year.

Either co-own in proportion to what you put in or stay with your parents - definitely don't subsidise someone else's mortgage.

There's so many secondary jobs advertised near me, no primary I have had KS2 experiences on supply too but mostly foundation phase!
Yes I will work on interview skills. Tbh i didnt apply for many last year, as i thought i might look into experiences abroad but decided against it so once the jobs start coming out usually in April-May time i will be sending my application out

@Dozer

Please read what @bevelino says about how property is held. You earn about - say £15000 a year and if you can show that to a mortgage company they will take it into account. I would certainly advise taking independent legal advice. As things stand at present "cohabitees" have few specific rights as opposed to married people. If you contribute to the acquisition of a mortgage you will then own the house as "tenants in common" say 70:30 then you have that portion of the house. You may find that as a teacher there are preferential schemes or through your union [Unison?]. You are I hope

Unless there are other reasons I would certainly attempt to get full time work.

I'm not a secondary teacher so i dont have a specialist subject,
I did an early years PGCE so specialised with 3-7 year olds but i can teach KS2 aswell

Personally I would live with someone first before I had a mortgage with them & I think a yr when you are relatively young is not long enough. However I met my DH at 18 & didn't get married till 10 yrs later!

There's so many secondary jobs advertised near me, no primary

I’m primary, so don’t know much about secondary but there are loads of jobs here in the south east-in Ks1/EYFS and KS2. Which county are you?

I would suggest he waits until you have a permanent job before buying then you can do so together.

I’d say you need to just keep on applying. How many have you gone for?

I wouldnt mind renting but boyfriend sees it as a dead money

Im from North Wales

Dont pay anything towards a house you have no stake in.

But i do look into Chester aswell but hardly any jobs atm!

I don't think renting is always dead money, it depends on the circumstances. A lot cheaper to rent together for 6 months as opposed to buying a property together & it not working out.

Supply is actually a common occurance here in Wales but we're paid £127 a day for teaching, £65 for TA days

Universities are sprouting out so many teachers and there are so many of us on supply

I know this isn't what the thread is about, and I don't want to derail, but this really isn't true. There is an acute shortage of primary school teachers in the UK which became very apparent last year. So few people are picking it at university that courses are closing, and between that and demographic boom a few years ago (more children now at primary age) there's a real issue. The primary sector is expected to be 8000 teachers short by 2024. Schools have seen massive rises in the amount of money they're having to waste on supply agencies to cover this - perhaps why you have such consistent work OP?

However perhaps in your area of the country that's not a problem. Often true if you are in a big city (other than London) with a strong university training teachers. Any chance of you commuting a little or looking around when you move?

xpost on the location and commuting

Hi, I was in a very similar position, boyfriend was a high earner I was not, he had a deposit saved for a house and realistically I knew that wouldn't be a possibility for me for a long time. We viewed houses together and chose one we both liked but he paid all bills and mortgage etc so we were both in agreement that if we spilt etc, it would be nice and easy, I hadn't contributed so wouldn't have any claim in the house and it would be easy for us both to walk away with no mess. Our thoughts were as I was still living with my parents at the time so chances are would have ended up staying over at his most nights anyway! We ended up getting married and buying a new house a few years later in which we put both our names on the mortgage.

You're 25 living with parents. He is 24. You considered looking into work experiences abroad (it shows the way your mind was working).
There is so much pressure on everyone to have life 'sorted': the degree, the career, the husband, the mortgage, the kids, when your twenties should be all about fun, exploration and new experiences. I know this is not what you're asking, but I think that you need to live a bit first. You don't need a 25-year financial commitment at your stage in life. Rent with him for a year, travel, just enjoy each other, but you really don't need to rush into things.

You're only 25 and you've only been together a year.

I'd let him buy on his own now. When you've been together longer and have a permanent job, perhaps look to buy together or get added to the mortgage. (But don't have kids together unless you have housing security yourself/are married).

He says he doesnt mind the mortgage being in his name and i pay bills but i just dont know!

I bet he doesn't. He'll be paying towards an increasing asset (making a capital investment with his income) while you'll be paying revenue costs.

Not a good deal for you. I'd echo what others have said and have your name on the deeds, even if it's only on the percentage basis that you pay.

Thanks for the "youre only 25" comments,
So many people my age around my area have had kids and living in their own homes with their partners that I feel quite 'old' to still be living at home,
But my focus has been gaining my degrees and next step is a permanent job,
But according to the new there's a rise in mid-20s to 30 year olds still living at home so doesnt make me feel too bad

Don't put yourself in a position where you are living in your boyfriends house, paying towards his mortgage, paying towards his bills and with no housing security for yourself. You would have more housing security renting from a private landlord. Just don't do it.

*according to the news

If you've only been together a year, maybe living in his house and you paying the bills isn't such a bad idea - presumably cheaper than renting, and no obligations if you want to move on from the relationship & can move back to your parents.
You'd just need to think about the long term if it does work out and you're still together in a couple of years' time.

My DH and I were in the opposite situation at your age. I was earning double what he did. We just owned our house 50:50 though. No issue with the mortgage as it was offered on our combined income and affordability. I paid more of the mortgage payments and bills than him but still owned 50:50. This was before we were married.

£60k at 24 years old?

What does he do?