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Housing deposit

53 replies

GardenPosie · 11/03/2026 08:40

Hi,

My partner and I bought a house a few years ago. I paid the entire deposit. We agreed before purchase we would get a legal agreement to reflect this.

Unfortunately things were very busy and we didn't set this up. I have mentioned it to my partner a few times and it seems they are no longer happy with it.

They have not communicated this with me verbally but every time I mention it they go quiet and if I mention it online they completely ignore me.

So I can tell they do not want this.

I think they take it personally that I assume they will screw me over but I don't know because they completely shut down every time I talk about it.

Part of the reason I haven't sorted it yet is because I feel a bit guilty or like I am being unreasonable by not trusting that if things went wrong he would not take my money. But it also seems to be a bit foolish not to get it. Especially since I am a woman and will likely end up financially disadvantaged in other ways if we have children because I'm likely to sacrifice my career more than him and I've already sacrificed my career to some degree by moving very close to his job and far away from mine, where I can't access promotion opportunities due to my preference/need for home working.

Should I just bite the bullet and get the agreement even if it puts my partners nose out of joint or to some degree erodes the trust between us?

I kinda wish I hadn't put the money in but it was the only way we would be able to buy a property together.

It's a sum of money that I will likely never be able to save again in my life as I saved it when I used to work a lot of hours and lived with my parents. It would probably take me about 15 to 20 years to save that again if I kept my current income and was sensible about my savings, which are not likely to happen.

OP posts:
Blondeshavemorefun · 14/03/2026 20:50

Please do it. Asap

You are very similar to my friend. She put in £40K from her saving and previous house sales

brought house with partner. With her deposit. Later they got married. Year or two later a divorce and she lost the £40k

I wasso shocked she didn’t ring it as she isn’t stupid normally

Lilybo7 · 15/03/2026 07:39

Ask your solicitor to draw up a declaration of trust which sets out how much you put down for the house and also anything you might have jointly paid (eg solicitors fees, search fees etc). It then also allows you to specificy what you are both contributing towards mortgage (eg 50/50, 60/40). You can get this drawn up in the background and printed out but obviously then have to get him to actually sign it . But if it’s all there and ready to go and all he has to do is sign it, might be easier as you’ve done all the hard work.

Peonies12 · 15/03/2026 08:04

Just get the agreement sorted and get wills. It doesn’t matter how your partner reacts; and if he’s reluctant, that’s a massive red flag

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