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???

I think if you are a maths or physics teacher, you might be the only one turning up for the interview.

If you are an English or PE teacher things are a bit different.

Primary aswell,
Primary is so competitive where I live that one job can have 100 applications

Teaching is competitive? Well that's the first time I've heard that. There's a massive shortage of teachers everywhere in the UK. Get applying and sort yourself a job.

Why not just talk to him and share some of your worries. If he is the one for you, things will work out.

Couldn't you take a 10 or 20% stake in the mortgage? Just do you both feel you are in it together? (It might be s bit hard to get you on to the mortagy with an erratic income)

Then apply for key stage 3 jobs instead or special needs schools.

Yes relationships with different income levels can survive. But IMO not unless you both are happy with a pooled approach to everything. A year into a relationship it would be unusual to be ready for all that so I wouldn't write the relationship off based on a difference in income - unless he is waving red flags about what that means to him.

He wants to buy a house and is asking you to move in with him. Fine, but there's no security there for you. He is just suggesting you move into his house. Which is not unreasonable but maybe not what you want.

If you're thinking of moving in together, or possibly buying the house together you need to be able to talk about money and your relationship. That would be my starting point. I'd also do some research into what the options would be in terms of mortgages and ownership so you at least understand that process, the options and can have a sensible conversation with him about it. FWIW I'm not working but my husband is and the mortgage is in both our names and as our family home as specific legal protections (we're not in the UK). It doesn't have to be on a proportionate basis so it isn't all about finances, but is also about relationship and intent.

Good luck with your relationship and career. You're both young so can both expect changes in your careers. Maybe the bigger issue here is working out where the relationship is at.

LalaLaLaLaLaLaLaLa909 I thought there was a shortage of teachers and that schools had vacant spaces they couldn't fill, no?

Op, we were in a similar position. We did buy a house with unequal shares and got legal advice. When we got married this got scrapped and it's half each. Down the line I work part time and we have 2 kids. He earns may be 4x more than me. It's not a problem to me : ) he shares pretty well.

The OP is defy correct that teaching is competitive, unless you are a secondary maths or science teacher.

Teaching is so competitive to get jobs in

Where are you? Where I am (South East) they are desperate for every kind of/level of teacher.

I think what @paddingtonbear does is the best option. Move in, pay bills not mortgage and put whatever you can into savings for your own place. Be positive about a full time teaching job in September. Are there any short/online courses you can do just to up your skills slightly and make you stand out a bit more from the other teacher candidates?

It's simply not true to say ALL schools in the SE are desperate for ANY kind of teacher.

I have no idea what you are concerned about. I don’t get the work situation either.

If you want to buy a home with your boyfriend then go speak to a broker about the options. They will tell you whether you will be able to get a mortgage.

You can continue to live at home and have a relationship with your boyfriend if you want to do that.

You can move out and rent, either from you boyfriend or someone else. I don’t agree with the not paying for a roof over your head, just because the rent is used by someone else to pay off a mortgage. They are taking on risk and obligation. It’s a different situation.

You have the option to be included on the mortgage. If you don’t want to do that or you cannot afford it, then you rent.

With or without a boyfriend how do you plan to house yourself?

Where some of you live teaching jobs may be easy to just walk into and if youre secondary trained, also probably very easy,
But where I am from, their not, even going into all the job sites and county councils near me - Loads of secondary (which i am not ever going to teach, im happy on supy rather than that), and 1 primary teaching job 3 hours away,
Most jobs around here start coming out around April, May time

@tttigress thank you, i dont get where is idea that I should be able to just walk into a job. Trust me, if it was that easy, why are there so many supply teachers and supply TA's?
Youre lucky to live in an area where you can walk into the interview and get the job, not so much here

@LemonTT i'm hoping to get a permanenet job at some point and if it wasnt for boyfriend wanting a mortgage, id probably live with parents until then

Op, you can have the mortgage on both names but it's based on his salary only.

As we were moving back to the U.K. when we bought this house, five years afo, and my husband was changing back to the uk arm of his company, so effectively New employment, the mortgage was on my salary alone but in both our names. They didn't even want to see his salary statements. Just the normal docs to prove who he was etc.

So I'd not worry, but I'd certainly not be agreeing to it being only in his name. There is no need for it.

You're not earning a measly wage though are you.
Save what you can, arrange a percentage of household bills and mortgage, you own x% of the house.
This is the discussion DH and I had when we started saving to buy a house. Because of health issues I'm not always in work, and when I am in work I earn quite a bit less for essentially the same job. As I will probably provide less to the mortgage weve assumed that it's best that we go solely on DHs wage (still not small and house we are aiming to buy is around 400k) and I said, I'd like to get out what I put in should we split just so I can start over again, because I am in a precarious situation with my health. I'll never be able to start again from scratch.
His answer was, we would split 50/50. I wouldn't trust that as I'm sure most men say this then change when the situation changes.

But get something written up to protect the money you pay in. If he doesn't want your name near the house deeds, dont pay toward his mortgage.

@Apirateslifeforme thank you! I'm understanding it all a lot better now!
And thank you to everyone, this has all been very insightful!

A couple of things jump out at me - purchasing a property after only being together two years could be risky. Having not lived together before buying you have no idea how you'll get on.

Also, not sure on this but is there no way supply teaching would be able to count when applying for a mortgage? Then it can be in joint names and you are better protected. If you are paying bills and him the mortgage then it means he is owning the house (eventually and building capital in the meantime) but you don't get anything from your money.

Its madness to be even thinking of buying a house with someone you have never lived with. Rent together first. You may not even be compatible. He may be a lazy dirty git who expects you to run around after him. Or indeed you may be.

OP you need to speak to the lenders not to Mumsnet regarding whether you'd be eligible for a mortgage whilst on your current contract. Every lender has different terms.

@SheldonSaysSo1 the internet is so hit and miss about zero hour contracts but there must be a way considering there are so many people out there on them that own houses!

@MrsMGE i'm not looking to mortgage atm, just wanted advice to increase my understanding of mortgages

OP, you've asked the question on page 1:

So if he was to get a mortgage, would the fact i'm a supply teacher prevent me from also putting my name on the mortgage or can i still put my name on it?

I've answered your question.