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Moving in together when not married and kids are involved - how do you all divvy up who pays for what and have you protected yourself financially?

18 replies

Coteeee · 05/12/2021 11:27

DP has 3 children that he has half the week. My two sons are at university.I suspect one will move home after uni.

Have been with my DP for over 2 years and we started to talk about living together last night..... we both have a house and are either at mine or at his...we'd like to focus on one place rather than spread ourselves across two homes.

As he has school age kids I would move to that specific area. We would look to getting a 5 bed house or a 4 bed that we can go up into the attic for a 5th bedroom.

Financially he earns twice what i make. But I make a good wage.

He was talking alot about us protecting ourselves so that if we split we come out with whats fair.

How do you Do it?

OP posts:
CrimbleCrumble1 · 05/12/2021 19:44

Is keeping your house and letting it out a possibility then you always have your own asset?

Coteeee · 05/12/2021 20:51

Possibly but im not keen to rent and I would find it hard to invest in a home that I wasnt on the deeds /had a vested interest in.
Im concerned it would be hard to push decisions on things to do with the house which would be my home too but not in writing

OP posts:
CrimbleCrumble1 · 05/12/2021 20:54

If it was me I’d want to keep my own property for now rather than sell up and combine finances. How much equity do you have?

GreenLunchBox · 05/12/2021 20:55

If you buy together do it as tenants in common with a deed done by a solicitor protecting each deposit and setting out what the division would be if you were to split. Also make sure you have a will.

CrimbleCrumble1 · 05/12/2021 20:55

Could you covert your current home to a buy to let and then buy a joint property with your partner?

Glassofshloer · 05/12/2021 20:58

Rent both houses out & use the proceeds to in turn rent a bigger house? That way if you end up splitting it’s just a rental & you both have your original houses to return to.

christmascheersandfunideas · 05/12/2021 20:58

I'd recommend seeing a solicitor, it'll be money well spent, at least so you and your DP are both clear x

Soontobe60 · 05/12/2021 21:17

Initially I would look to move in with him for a few months to see if you can actually live together as a family. Rent out your home for 6 months. Then after that, decide if it’s working out well. At that point I’d look at selling both houses and buying one together jointly. You can either put equal deposits and pay the mortgage equally, plus any maintenance costs, and have it legally drawn up that you own the house 50/50. Or, if you want a bigger house, whoever pays in the biggest deposit has the highest ownership of the property.
In terms of living costs, that’s a different picture. It’s complicated by the fact that his children are there 3 days a week and yours are there presumably in holiday times.
I’m a bit geeky when it comes to household finances so I know what it costs to run our home annually quite accurately. 2 of us live here so I also know how much per person it costs. If my dh had 3 children staying 3 nights a week, I’d count them as 1 adult person so I’d pay 1/3 and expect dh to pay 2/3 household costs. I wouldn’t expect to pay for them, nor would I expect my dh to pay for my children.

WombatChocolate · 06/12/2021 18:55

You're right it would be a mistake to sell your house and put money into a property that was purely owned by him. Tenants in common is the way, defining amount of deposit added by each party and how any future division would work if you split.

It is too soon for you both to sell and do this, because of the costs and ties involved in both selling and ending up with all your eggs in one basket together, especially with all the children involved and the impact on them.

It is costly to rent, but it would be better to let your properties and rent together for perhaps a year to ascertain with ether living together actually works. It's a big deal when there are so many kids. If it doesn't work, you both have properties to go back to. If you've sold them both and it doesn't work (and you could find this pretty quickly if you haven't lived together) then the timescale for you to sell the jointly owned property and both buy could be a very very long time and you'd be stuck in a horrible situation and bearing costs of renting then anyway.

Best to be cautious and keep your own properties for a while longer. You don't know if you and him in same house will work, never mind all the kids getting on - there's a lot at stake here, so selling up and buying together right now would be very risky and probably reckless.

An alternative would be to all squash into the bigger of your houses. Not perfect, but for 6 months or so, it will show if living altogether can work.

If his kids are younger and need to stay near their school, it might well be that you are needing to go to his area. However, do t let the fact he has younger kids mean you make all the compromises, especially any which endanger your financial security.

In this kind of scenario , protecting your financial assets and also having a quickly accessible 'get out' in the early stages is really important - you owe it to yourself and your kids (and also to his ) to ensure that is available if necessary. Hopefully it won't be. And of course, he should be thinking about this....not just from his point of view and protection, but for yours too if he cares about you. You both need to think about your own protection and that of all of you. It's complex and not romantic but needed.

Hope you can manage to have the difficult and oractical conversations and still get the excitement of moving forward together. Getting to the full stage of you having sold both houses and bought another bigger one together should be something that takes a good while here, not something to rush into at all. Before you do that, you need to have a strong sense this is working and is going to work for at least a good few years. Doing it without that a good basis for thinking that (which probably requires renting living together in one of your houses and then maybe renting a bigger house together first) might be some thing you come to regret and by impact, all those other people involved also regret.

Exciting stuff though!

Coteeee · 07/12/2021 15:05

All good things to consider, thank you!

We chatted again last night. His idea at the moment is...
That he get a mortgage for family house...pay the mortgage. I sell mine and get a holiday home. That way we still have assets if things don't work. I said im not to keen on idea...dont feel i'd come off very well if were to split.

Yes I'd have a house but it wouldnt be near my work. It would take time to sell. Possibly not invested in as much as a home because it would be a holiday let. It wouldn't be a home in prime holiday location because of budget. But there is potential for an income.

Getting married makes things much simpler. Weve both said tho that as we've both been married we didnt think we would do it again

OP posts:
CrimbleCrumble1 · 07/12/2021 15:08

Why not keep your home, rent it out and he gets the family home? Then review it in a couple of years.

CrimbleCrumble1 · 07/12/2021 15:14

I wouldn’t listen to much to his ideas or be swayed, you’re in a fortunate position to have an asset in your name.

Coteeee · 07/12/2021 15:17

Feeling a little flat about it today. More complicated than I thought. Almost takes the loveliness away of wanting to build something with someone. As I said feeling a little flat.

If we tested living together first which is very sensible. It would be me moving to his. No rooms for my sons but I suppose if one or both came back we could give them the main bedroom and we could take the middle lounge (its a townhouse so 3 floors). Theres a distant size kitchen diner on first floor...that could become the living room...already sofas and TV in there.

Then its what do I do with my house...cant leave it empty. Id need to rent it out. Ive watched too many tenants wont pay programs lol

OP posts:
CrimbleCrumble1 · 07/12/2021 15:19

Do you definitely want to live together, would just staying at weekends be better?

maxelly · 07/12/2021 15:32

Hmm yes it is tricky and unfortunately with 'blended' families some of that romantic gloss does tend to get taken off a lot of 'firsts'... but no reason it shouldn't work out well all the same. I think from what you've said the most sensible thing does seem to be that you move in with your DP is his current house as it will at a push accommodate you all, let yours out or possibly sell it and invest the capital in your own name (but the latter only if house prices are relatively stable in your area, you don't want to end up getting priced out of the market). I wouldn't go for a holiday home (huge hassle) or the both renting out your houses and rent somewhere bigger together option (very tax inefficient and doubles the risk of tenants not paying etc). I would treat this as a trial period for only 12 months or so, with the aim of both selling up and buying a bigger place together that can properly accommodate your sons too if it works (owning as tenants in common to reflect the equity you each put in to protect your capital).

In terms of arranging finances in the meantime/during the trial, I would have thought your DP should continue paying his own mortgage and you shouldn't have to make a huge financial contribution to that (maybe a token amount of up to a few hundred £ a month if it's a big house/expensive area) although of course you should pay your share of bills. I say this because although you will have the income from renting out your place, I would have thought by the time you've paid your existing mortgage, tax on the income, agents fees, put some aside for maintenance plus potentially storage fees for your belongings (as presumably you won't be able to take all your furniture to DP's place but won't necessarily want to leave it all for tenants either), I wouldn't have thought you would turn much of a profit even if you get good reliable tenants. I would just save any 'profit' you do make towards your next property and also as a reserve fund in case your tenants do do a bunk and stop paying.

MorningNinja · 07/12/2021 15:51

I'd try and spend more time at your DPs home before making big changes/selling/renting your property.

I moved in with DP into his house and rented mine out. We were really solid prior to moving in and I had no doubts...it really has tested us and at times we have each thought about calling it a day although we have now found our groove and things are great.

I'd say give that a go, and then think about more permanent plans further down the line.

Tempusfudgeit · 07/12/2021 15:58

Could your sons stay in your house?

Chloemol · 14/12/2021 21:06

If it was me I would rent out both properties and rent somewhere bigger jointly for 6 months or a year to see how it goes

Bills, including rent, to be split proportionally either to number of kids there, or by income

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