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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

AIBU to think my DP is being a massive dick?

161 replies

flowersinavase9 · 07/03/2020 22:49

Long story short, I have been with my DP for three, almost four years. We have a DS who is 6 months old. Before we met DP had bought a house with his ex girlfriend a few years previous. Obviously that meant he has paid for the deposit, and the mortgage payments since etc. However when I moved in two years ago we decided to split bills down the middle, that obviously included the mortgage. As far as I was concerned it was both of our house (despite not being named on any paperwork etc).

As our DS is getting bigger we have decided we’d ideally like to move house, but we would consider remortgaging to carry out the work that needs doing for us to continue living here. We were having a conversation about moving the other day and DP said that if we did move, with our new mortgage contract he’d like to go in 60/40. I was fucking livid with this, he said it’s because of the years he’s paid for the house before we met, and the fact he paid for the deposit. I was under the influence us moving house would be a clean slate, and we’d go in 50/50 as we are now a family etc as we'd still split everything down the middle. We had a rather big row about it, and even now I still feel hurt. His reasonings were if we were to ever split he’d get 60 percent and I’d get 40, when that could be 15+years from now and we would have paid the exact same every single month for years. I just don’t see his reasoning. Yes it’s his house, and he has paid more than me over the years, but I can’t help that. I can’t seem to shake the argument, I feel like he doesn’t value me as his equal partner. Opinions please?

OP posts:
flowersinavase9 · 07/03/2020 23:30

I already said I'd quite happily secure his deposit. I have no issues with that. What I have an issue with is moving on from that with a 60/40 split on something we are both contributing towards. That's my issue. I don't think I'm entitled to anything now we have a child. It doesn't work that way.

OP posts:
Fantasiaa · 07/03/2020 23:30

I agree with your DP

Rosebyanothername19 · 07/03/2020 23:31

I think there is a different type of mortgage where you go in with different equity but it balances out over several years. So you might start at 60/40 you pay slightly more in to begin with and then once you have 'caught up' you are both paying the same. Depending on the size of the deposit he put down and how much he has been paying he might have a considerable amount in the house from the preceding 4+ years before you moved in. He would lose out in a big way if you broke up. However further down the line it's not fair for you to only have 40% as you would lose out. I can see how what he said might have stung but I think he was just trying to be practical.

flowersinavase9 · 07/03/2020 23:31

His ex is no longer on the mortgage. He bought her out when they split.

OP posts:
champagneandfromage50 · 07/03/2020 23:32

flowerinavase9 if you have agreed to ring fence his deposit then I completely agree with you. 50/50

SeriouslyRetro · 07/03/2020 23:32

How much more has he put into the property? Deposit plus the number of years of sole contribution before you moved in?

Largeyellowdaffodil · 07/03/2020 23:33

Another one who agrees with him

My DD is buying a house with her DP, she is putting down £50K and he is putting down £10K. The House is £260K. If they split and it is sold then they each get deposit back (or a percentage if it has gone down in value) and any gain is split 50/50.

Pretty standard. How much deposit will each of you be putting in? Doe this ex still own some of the current house?

flowersinavase9 · 07/03/2020 23:34

@BluntAndToThePoint80 I'm not after any money he saved before he met me? As I've posted I already said to him I'd be happy for him to secure his deposit from me. I simply meant moving forward. Yes we have a child, mutual decision, he doesn't owe me anything.

OP posts:
Custardo · 07/03/2020 23:35

TestingTestingWonTooFree Sat 07-Mar-20 22:51:15
You want to be treated as a wife, but you’re not married.

The fair thing to do is to ring fence his sole contribution and then split the remainder equally. A solicitor will be able to advise on your options.

flowersinavase9 · 07/03/2020 23:36

I'm not talking about the deposit. He can have the deposit in its entirety. We argued because he wanted it 60/40 leading on from there. And I didn't see how that was fair/equal when we would both be contributing equally to the house and if it was sold etc I would get less.

OP posts:
SeriouslyRetro · 07/03/2020 23:42

are you including his monthly payments in addition to the deposit? He’s been adding to the pot for a minimum Of two years (plus the couple of years he lived there with ex partner) so that could be substantial.

saraclara · 07/03/2020 23:42

How long had he been paying the mortgage on the house before you moved in?

I'd have thought that it would make sense to ring fence his deposit, and however much he'd paid off the mortgage before you moved in. But yes, you need legal or financial advice about what would be fair.

OlaEliza · 07/03/2020 23:43

Because he's paid the mortgage for however many years he had he horse before he met you, and he bought the ex out. Why is that so hard to understand?

OlaEliza · 07/03/2020 23:44

Ffs autocorrect is really fucking about tonight 🙄

SeriouslyRetro · 07/03/2020 23:46

Alternatively op if you want an equal share why don’t you pay the mortgage single handedly for the foreseeable x amount of years that he did so before you arrived.

That’s what equal looks like.

Throughthegate · 07/03/2020 23:47

I think you need to lay the figures out a bit more to see what he is actually suggesting.

NameChangeNugget · 07/03/2020 23:49

I’m stunned by your logic OP

bugbhaer · 07/03/2020 23:49

Is there his for a new house together or his current house?

bugbhaer · 07/03/2020 23:49

Sorry, “Is this for...”.

Oblahdeeoblahdoe · 07/03/2020 23:50

I think the reasonable resolution to this is to work out his contributions before you got together and ring fence it, after that it's 50/50. By the way while he's adding up does he do 50/50 parenting, household chores etc?

WorraLiberty · 07/03/2020 23:53

Was the house fully furnished and decorated when you moved in?

ZoeandChandon · 07/03/2020 23:53

Just get married.

Throughthegate · 07/03/2020 23:56

Basing everything on equal contributions going forward isn't going to work either is it as the OP has a 6 month old baby - presumably they are managing her ML reduction in wages as a couple and any loses due to one of them altering working hours or slowing down work wise.

Pinkyyy · 07/03/2020 23:57

Is there a reason you're not married?

timeisnotaline · 07/03/2020 23:57

Because he's paid the mortgage for however many years he had he horse before he met you, and he bought the ex out. Why is that so hard to understand?

But everything in the current house is his and will turn into the deposit the op is happy for him to keep surely? It’s the rest of the new house they are thinking of buying that he also wants 60% of, while asking op to pay half. Op do you both share childcare costs, or are you at home full/part time and still contributing half to his mortgage and your joint costs now? If so he’s a dick.

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