Surely tenants in common mortgage doesn’t change though unless you re-did it and changed the percentages. I owned with my ex years ago, when pregnant with DS2. I had a child from previous, whom I had when a teen, so although i’d gone to uni, bettered myself, I was only 2yrs into my career when we met, and so had no deposit, in fact I was paying off debt still. Ex DP paid 30k deposit and we owned the house 60-40.
I actually suggested it, as he paid the deposit. It probably would have been better to just protect his deposit, as we split after 7yrs, and by this time he had paid another 50-60k off the mortgage. I always paid 50% of all costs, including during mat leave for DD. He rarely paid for food, rarely bought any clothing / essentials for the kids and benefited from me dropping a day at work and reduced nursery cost. In the end I was so desperate to move out, I signed it all to him. I hated that house and couldn’t have stayed. I could have taken 40% of the deposit and 40% of the 50-60k he paid off, savings whilst I paid for everything else. So i’d advise my kids to protect your deposit over a share. 15yrs later, I am finally buying again after renting in the south east since the split. Youngest is 18 now. Ex DP is wanting to contribute something (not sure what as have declined) towards my home, I think 15yrs older, he recognises that it was a little unfair. He has also benefitted hugely from working overseas over half of those 15yrs we’ve been split, earning mega bucks whilst i’ve raised our DC, totally alone and miles from family. Cannot wait to ‘go home’ this summer. Oh and he never paid maintenance, not until more recently when I got fed up and he showed up with 15k. He can never just pay monthly, he likes to be the hero. He has however saved for the kids uni, and they are both able to do uni debt free, so they have benefited, just I had to struggle to pay everything else over the years .
I could never live with a man / share finances again. My ex is obsessed with money, and i’ve always been a fair person so he never needed to be worried I was going to fleece him. My new beautiful home is paid for with 100% of my money, no bank of mum & dad, no house profit. It is annoying i’ll be working until 70 plus to pay for it though, but hey ho.
sorry that was long, I feel better getting that out!!