Living arrangements help and advise

[Mackenzdrr]

Hi guys unique situation..

I sold my previous house which has been a blessing to now own it out right from a lucky sale from my previous property. I know have a 4 bedroom new build which we chose when I decided to move closer to my partner's location.. I've been with my girlfriend for 4 in half years and we have a 2 year old daughter together and she has two children to her previous.

She has her own property which is a part buy 60% she has 120k capital if she sold it. but it's only a 3 bedroom house and she is been renting it out illegal to her friend.. the house is affordable for her if we where to part and that is the problem as she is thinking of her security for her and her kids.

The problem is she stays at mine and I cover all bills after all she says I was paying these b before I met her and she buys the food shopping. It's a 4 bedroom house so all children have a room each to why I bought it in the first place.
Weve had so many arguments over this...

We looked at trying to buy her house to a 100% mortgage but all the taxes involved it's not worth it.. she wants to keep it as her security which I understand but I can't think of any other way for this to happen.. we can't continue to rent her house out on the fly.

What she chooses to do with her house is up to her. The concern is that you're paying for four people with minimum help from your girlfriend. Surely she gets rent from her house and can contribute towards bills.

I can't see the problem.
She buys the food, you pay the bllls. It's your house.

She also owns a house - great.
Are her older kids wanting to live in her house?

Does she have any other friends who want to rent it?
Can you call rent paid, board and lodging?

The problem is you can’t rent out a house if you have part ownership without asking the landlord who owns the other 40%. Plus you have to notify your mortgage company and have things such as gas certificates, she’s effectively subletting at the moment. Then there’s the issue of her paying zero bills. She’s getting rent from her friend that probably covers the mortgage and OP is paying bills in his home and the friend will be paying hers so she’s not paying anything. It’s risky should anything happen and she’s basically breaking the law.

you may well both own a property but she’s banking rent from hers. You’re paying all the bills on yours solo, let alone not receiving income on it. You only have such a big house because of her two children. YANBU, she’s freeloading (not to mention illegally renting out her flat).

The problem is she stays at mine and I cover all bills after all she says I was paying these b before I met her and she buys the food shopping.

But your bills would be much lower for one adult and a pre-school child. You’ll have lost the single adult council tax discount, your utility bills will be higher with an additional 3 people, she needs to be paying actual living costs for her and her kids.

You should be paying all bills between you - food and everything else - in proportion to how many people you're responsible for. You and she share responsibility for one child, and she has responsibility for 2. Therefore you should be sharing bills appropriately 1/3 you, 2/3 her. Can you afford the mortgage by yourself? Since you aren't married it makes sense for you to each keep and pay towards your own asset. She's also being very sensible to keep her house for her children's stability in case you split.

She sounds like a freeloader. It’s fair that she wants security but she can’t afford to pay for herself and her children as well as security.

I'm not as outraged as most people on here seem to be. Effectively, you're paying for the utilities and she's paying for the groceries.

What you probably need to do is to work out what everything costs and split it between you.

Thank you for all your help..

The problem that we have she can't rent out her property as it's illegal and there's no point in having two houses when we only stay in one.

We could live in our own houses and still be together but her house wouldn't be big enough but it would be a tight squeeze and she would still face her security. But the reality of it is not what I thought would be when I had my daughter living in two different houses which would be confusing as hell.

The only other solution would be for her to sell her house and I sell mine and we both put equal amount into a property of our own?

If we decided to live in separate houses what is the reality of it actually working out??

I think given your situation the best thing to do would be to sell both and get somewhere together. The problem would be your property would be worth more and you are currently mortgage free, how would it work financially for it to be fair to both of you? If you both put the same amount into the new house and get a mortgage for the rest you’ve gone from being mortgage free. Also selling a part ownership property is more difficult because not as many people want them. It’s a tricky situation and I’d see a legal advisor before you commit to anything because you are not on an equal footing and need to protect your money.