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Moving in with my partner who owns the house

44 replies

Mishha81 · 28/01/2015 15:51

?Hello

I'd like to ask an opinion on a matter that I have already discussed with my boyfriend. Bus since we disagreed completely, we've decided to seek opinion of others who would be more objective.

My boyfriend lives with his two kids (15 and 9) + an au pair in a house he took a mortgage on. It is 30 miles from London. He works in London and commutes almost every day.

I live on my own in a rented apartment outside the UK. It is very close to the office (10 mins by bike) so no transport costs involved.

Since we want to start living together, I'm planning to find a job in the UK, possibly in London. As he bought the house and is settled there (his kids go to the local schools), buying another house together in a different location closer to London is not an option, hence i'm planning to move in to his house.

I offered to pay 50% of the bills, and the extra council tax for the extra person in a household. Plus i would bring the white goods like a washing machine, hoover, kettle. And contribute towards buying some other stuff for the house, like carpet cleaner, paint for the walls etc.

This, plus the train commute cost would be more or less what i spend in my current situation. I could save some money on buying a yearly rail ticket instead of monthly.

However, my bf said I should also make a small contribution towards the house, cause otherwise I live there for free.

I am leaning towards paying it but would like to know opinions of others too.

Many thanks.

OP posts:
bdotcom · 29/01/2015 22:07

Hello everyone.
I am the boyfriend being referred to here. This issue has caused some problems, so in the hope of finding a solution, i wish to add some detail.

With regard to the “£200 a month” this was the suggestion from my gf. I admit to being disgusted at this offer. The “£300 a month” was, contrary to what my gf says, not suggested by me. This came from a good friend of mine whose advice i sought. He, being a very generous and wealthy chap himself, asked me what my gf pays in rent/bills currently on her overseas flat, that being £600pcm approx. He told me that its my gf and i should be generous with her and suggested the £300 figure as being reasonable.

My GF was unimpressed with this and sought to exclude it as she had no idea how the conversation went and what was discussed, but would rather seek some views on here as everything would be in black and white. Fair enough.

At no stage have I actually suggested a figure, but only that it be reasonable for both of us and we are both happy.

I have though told her that i don’t want or expect half of everything. My mortgage payments are quite large.

I also don’t expect any contribution at all for my children. It cost me about £100 a week for childcare (for which the childrens mother does not pay a penny, despite working full time, but thats another story!) when I have an au pair, which is not all year round. The Au pair also does 10 hours a week cleaning, and cooking too, so that benefits us all.

My gf would also have the use of a small room for herself as well (somewhere to chill out away from me and the kids!)

Total bills per month (excluding anything mortgage related) are around £450.

Having looked at a website for local rooms to rent, they seem to be about £500 pcm inc bills, or less excluding bills. There is a cheap one for £325 a month, but occupation is mon-fri only, no weekends.

I think some suggestions on here seem fair eg – 1/5th of bills plus cost of a room in a shared house, or half bills plus half cost of a room in a shared house.

I am though aware of my gf’s concern over travel costs, though higher London wages should cover or at least help significantly towards this.

I am also keen that ultimately she does pay less than she would elsewhere. That it is cheaper for her than to rent such a room or such like, but at the same time I feel aggrieved at being ‘ripped off’ or that she might have an expectation to live ‘rent free’. In principle alone, i think that is wrong.

As regard salaries, I have no idea what she earns now or expects to earn in London. I don’t have a large salary. I don’t know who earns more, but that is not too relevant. We both i would suggest are nicely above minimum wage, but without troubling high tax brackets.

I hope a happy medium/compromise is available here.

Any help or suggestions are appreciated.

mrscumberbatch · 29/01/2015 22:13

It's actually quite nice that you are on here to clarify mr boyfriend.

I think the point is moot until you know what's she's going to be earning.

I think she should pay relative to what she earns.

So if she isn't earning as much then maybe make things a bit easier for her. (From the sounds of things you have a fairly healthy income and assuming that is the case and that you are keen for her to move in then I think that would be fair.)

Conversely, if she earns a lot more than expected I would expect her to add more to the household.

Piratespoo · 29/01/2015 22:20

Are you going to put her on the mortgage? If she pays towards it and bills she may be entitles to a share of your house if you split up?

The OP should not be including her commuting costs in her calculations. It is irrelevant to how much a house and bills cost which she should be contributing to. If you are going to be a couple, then would not a percentage of each persons earnings be a better way of working it out, with the kids expenses added on to the bf's contribution.

If you don't know how much each other earns then you should! How can you work out a fair deal otherwise? The OP could earn 50k and the bf could earn 30k but she would be paying less and therefore have much more spare money than the bf, which she probably would anyway also because he is also paying for the kids stuff and expenses. If you are going to partners, then act as a couple. If you are just boyfriend and girlfriend, keeping money separate, then maybe you shouldn't move in together. Especially if you can't agree on this as your first decision as a potential living together couple!

FishWithABicycle · 30/01/2015 06:04

Hi bf, thanks for joining the thread.
With those figures, I think an initial contribution around £350pcm would be fair and reasonable. A bit less than what it would cost to live independently, but that's only right and proper as a gf moving into a family home.

However, you should set a date in the future when you'll re-open negotiations if you are still together. Fixing a set amount like this is fair and reasonable when a gf first moves in, but if living together becomes permanent it will be different - especially if you get married or have a baby together. If this happens then the new arrangement should be completely different and take into account actual income, treating you both as partners sharing the same life and responsibilities and rights between you. But that will be a different thread.

JeanSeberg · 30/01/2015 08:15

At this stage, I'd be more concerned about moving a girlfriend in and the possible effect on your children. If she lives in another country currently, how often do you see each other? How much time do you spend together and, more importantly, how much time has she spent with your kids?

I think I'd be more inclined for her to get a job and rent somewhere privately to start with. Then see how things go when you're living in the same country before you commit to living together.

What do your children think of your plans?

peggyundercrackers · 30/01/2015 08:26

blu you don't know what sarcasm is?

Blu · 30/01/2015 12:17

Ah - sorry!

Grin

I might still have posted the £200 pcm parking space - as an enthusiastic affirmation of your observation Wink

HotLipsHoulihan · 30/01/2015 12:36

Where is this relationship going? It all sounds very 'practical' to me. I'm married and we pool everything - my husband earns a lot more than me and my children live with us. We are a team and all money earned is ' ours.'

You do not seem to be operating as a team. How long have you been together?

Anyway, I'd probably go for a percentage split in your situation. You should have an honest chat regarding finances - you need to know what her income is and vice versa and take it from there

housepicturesqueclub · 31/01/2015 23:39

If he can afford an au pair he should be able to look after his girlfriend. She's already offered to contribute to maintenance and diy so what's the problem?

FantasticMrsFoxx · 01/02/2015 00:21

Based on the details provided, I think £350 is a very generous minimum for rent and bills - but not property maintenance. Does your BF's property really need a new kettle and repainting?
OP, your commuting costs don't come into this calculation - you might end up getting a job a 10 minute walk from your BF's property and if you were renting privately, you'd probably set up a monthly DD for your utility bills so yes, these would be a fixed monthly cost.

housepicturesqueclub · 01/02/2015 15:20

You are incompatible.

lovingmatleave · 01/02/2015 20:55

It sounds like you are preparing to be flatmates rather than partners. The bfriend is "digusted at the £200 offer"?? what way is that to talk about someone you presumably love and are happy for her to give up her job and life in another country to move to a country where she will have no job and will become effectively step mum to your kids. I'm not saying there should be no financial contribution but I think I would at least wait until you knew what job you had and how much would be earning.

FishWithABicycle · 01/02/2015 23:42

That's a bit harsh. This is a couple's first moving-in-together having previously lived in different countries. They aren't getting married and pledging to share all their worldly goods and live as one flesh. They don't even know yet what their daily squabbles are going to be about. It's ok to set a specific contribution level and to expect to be allowed to protect yourself.

Want2bSupermum · 02/02/2015 02:11

This is why I would never move in with someone without being engaged first. I believe the only way to fairly split bills is to do it on a percentage of income basis. I don't think the OP should be contributing towards the mortgage unless the bf is struggling and then it should be on a temporary basis only.

I've moved to another country for my career. It's hard giving up your home and the op is the one giving up her security for the relationship. She isn't renting a room and the expectations are rather different than what one should expect from a roommate so I don't think you can compare. Also, if the relationship fails she is left in London on her own, hopefully with a job but no roof over her head. The bf walks away losing only his gf and not his home.

JoanHickson · 02/02/2015 03:31

I think op should try X six months in a shared house and date her bf. If all goes well then move in. Too much disagreement when there are children involved.

ArgentinianMalbec · 02/02/2015 08:45

When I moved in with my DP into his house, his mortgage (no kids) I gave him £300 a month and we used to say this was for bills so that it didn't feel I was paying off his mortgage. I also used to buy shopping. We were both better off in that arrangement.

We have since had a DD and are looking to buy somewhere together now. All I pay for now is her nursery fees and some food and household shopping.

housepicturesqueclub · 03/02/2015 13:56

All these comparisons with cost of renting somewhere are pointless, she's not renting a place! and not living alongside a stranger!

Snowwhite, in your scenario, if the woman owns a house and has a load of unearned equity, and said man owns nothing and they agree on £200pcm, why the hell not? what does it matter which sex owns the house? and if he washes the dishes naked, he can stay for free, no??

MessyHair9 · 03/02/2015 13:58

feather your OWN nest pet. I've learnt the hard way.

flyingmonks · 10/02/2015 19:42

It sounds like you are preparing to be flatmates rather than partners. The bfriend is "digusted at the £200 offer"??

Yes

You should each take independent legal advice on your potential interests re the house if she is to be charged "rent". Do not skimp on this. Sorting this now will be a lot cheaper than sorting out a dreadful mess for one or both of you some years down the line.

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