First time posting so please be kind.
I'm in my early 30's and have never been good with money. In and out of credit card debt my whole life and never able to save much. As I entered my 30's I pulled my shit together, paid off all my debt and stuck to it. Moved out of my parents house into a flat share with friends, always have rent and bills paid, never a problem.
I came into an inheritance and now have about £35k to put down as a deposit on a house. My boyfriend is back in uni and will be making a decent amount when he gets a job after he graduates. He'll be making more than me by a long shot. So we'd be looking to buy together in about two years. Thing is I have no idea how it would work if the deposit was mine but we'd be putting our joint incomes on a mortgage application? Like how would you work it financially if you moved in together with that set up? If that makes sense?