Am I paying too much to live at my partners house?

[RJCHelp]

At the beginning of the year I moved into my partners house and I offered that I would pay £600 per month (not including food, I contribute separately to this). I came to this number as this was the amount I used to pay for my mortgage + service charge at my flat.

I have since found out that his bills (utilities only) total £800 per month but in recent months, he has been reducing these e.g cancelling sky and moving onto a cheaper energy tarriff (his electric car sucks most of the energy!) so essentially, I am paying for more than 50% of the bills here and he always said prior to me moving in that he didn’t need any help with the mortgage… HOWEVER I am better off than when I was living at my flat (£725 pre inflation) 🙁.

Do you think my contribution is too much? I am essentially paying £200 towards his mortgage here…

Please help x

Incorrect - your way she is being subsidised by his equity. That’s why it’s should be at the full current market value of the property and interest only because this ignores all the equity he has poured into it. Rent would also include a profit margin for a landlord so incorrect in the opposite direction……
If it’s a four bed house in the south east (assumption based on £800/month utilities - mine is 3 bed and it’s £600 utilities inc council tax) likely he would have had to put a substantial deposit in and/or accrued significant equity.
Sounds like he is being incredibly generous and not really paying attention to what’s going on as it’s what she suggested and a couple of hundred quid a month makes little difference to him and she is being incredibly tight and living rent free in someone else’s place for just a utility bill contribution…….

75% of the bills you mean, like OP is.

Yes you should be paying rent on top of utilities and as you say your financially better off living with him and he is also financially better off sharing is house with you. You both seem to be benefiting from the arrangement so I see no issue here

This is the sensible solution, especially if you include a discussion about mortgage contributions and the implications of each option. Ie partial ownership etc.
When my partner moved in he had to sign a waiver for the mortgage company, has he checked that?

Plus potentially capital gains when you come to sell, whereas he can utilise the tax free rent a room relief on what you pay him and is exempt from capital gains. You shouldn’t expect to live for free, but you didn’t NEED to move in, you presumably took a joint decision as a couple and so it should be fair to both.

How is that the sensible solution? You’ve literally just said it’s ok for her to sponge off him because he earns more! 🤦‍♂️

My partner pays me a nominal rent (less than he was paying for a HMO room) it is more than half the utilities but he uses much more than I do and I don't expect him to pay for any repairs/replacement of white goods etc. I'll likely need a new boiler in the nearish future and that will run into thousands that I'll absorb.