Help me protect my home if partner moves in

[Molly333]

Help I need advice. My partner has moved in my home and I want to legally protect myself . He pays 500 a month and half the shopping . My solicitor says there is nothing I can get signed to say he has no claim buy only to make him a tenant and me landlord with this I have to tell my mortgage company probably change mortgage ( I if a good deal now) and prob tell the tax man . I'm so fed up as I nearly lost my home 10 years ago in a dreadful divorce and as much as I trust my partner I will never leave myself open again. How do you do it or should I ask him to leave ?

I have a good mortgage deal now I mean and resent bloody changing it

He shouldn't be contributing £ if you don't want him to have a claim on your house.

Why did you let him move in without resolving all this first?!!

I realise that's not very helpful OP, but really....

As Panda says - stop taking money from him.

You need to set up a formal tenancy agreement with him. You then need to tell your mortgage company that he has moved in, and they will be fine just making a note on their system. You do not need to change mortgage company, or say that you are renting the property out. You are still living in the property.

I had this exact situation, and the bank just needed something signed from my boyfriend to say that he did not have a claim on the property. He was more than happy to do this. Our next property was one we bought together!

Imdon't think,you have to,change the mortgage, and if he is paying £500, then he is effectively renting from you.

You may have to change your home insurance if you have someone renting from you.

Could you not have him as a lodger under the rent a room scheme then most of the income would be tax free.

My understanding is that you should only take half the cost of bills if you want him to have no claim. (So half utilities, broadband, council tax, food)

If it goes nasty he could claim that the £500 went towards the mortgage where as half the bills wouldn't lead to a legitimate claim on your house. You'd obviously have to get him to sign something to that effect.

My solicitor drew up a 'Living Together Agreement' when my exH moved into my house.

It clearly laid out that he was not paying mortgage but to expenses. Was not liable for house maintenance etc.

Look into that.

leather no, because he's not a lodger. Lodgers don't shag their landlords!
If they split up and he took legal advice to the house any "lodgers agreement" would be dismissed straight away.

OP best thing you can do is charge him for half the bills exactly, but not the mortgage.