4 years living with in partners house he don't want a mortgage with me!

[Npdp]

Been living with my partner for 2 years been together 4 years . We have talked about getting our own place he said he would put most of the deposit down as I didn't have the money he is ahead of me with age and promotion /work ect. He then said he won't be doing this all on his own so I agreed to set up a savings account . I told him how much I will have by next year which what he originally agreed with me would be a good lump sum . He has now said it won't be enough, it constantly seems like no amount will be enough I am currently living in his home paying rent £200 I would like to start a home together and potentially a family.. not sure what to do !?? It is like nothing will ever be enough

Do not start a family until you have sorted out your legal position properly.

You could end up in a vulnerable situation.

It is however good that you are saving. You might need that as a deposit on a place of your own one day.

Now, I have no idea what the figures are (cost of property in your area, amount required as deposit, amount you have saved) and whether in bald financial terms he is simply being practical.

But you are not there to fund an upgrade on his house. Timelines and finances of major purchases should be agreed together, not decreed by one partner.

You say you currently pay rent, that's fair enough (because expenses should be shared). But you are not thereby 'earning' yourself a stake in someone else's property, so it only makes sense if if it costs you less there than the rent you were paying before. Because then you can save the difference and use it in any ways you wish.

I hope you don't wish to move him up the property ladder without proper legal underpinnings for you.

I personally wouldn't plan a family with someone in your situation. I feel strongly about that. I didnt live with dh until we married. I feel if you are good enough to live together then why not marry.

He is happy for you to lie in bed with him, but treats you like a tenant. Move out.

The only way you'll force this is to walk away. It might make him realise, but be prepared it might not.

He has a tenant with benefits, why would he want to complicate his life?

I bet he'll let you have his kid too, but you won't find that makes him marry/buy together.

The best thing you can do is red the relationship board on her. Get cynical.

Red? Read

Thanks for advise guys !!