Joint tenants or tenants in common?

[xXwhenwillitendXx]

What's best??
Buying first property with partner. We have I child together and partner has child from previous relationship.
Ideally we would like to split property 50/50, then when it comes to passing property to children, my descendent will get 50% and partners dependent will share his 50% (not sure if this is relevant, or we can even do this).
I'm putting more towards deposit by around 80% but it's a low deposite, however partner will pay more towards mortgage as he earns more since I dropped to part time after having DD.
Any advice would be greatly appreciated

Tenants in common with declaration of trust for unequal split. Then make sure you have wills.

Getting experiences of others on here is all well and good but please get advice from your Solicitor.

We have a solicitor, but I don't get what shes talking about and I feel too embarrassed to ask

Tenants in common and will your half to your child.

Tenants in common with lifetime interest, also ensure that you have wills drawn up that reflect your current wishes and amend as required - you don't need to use a solicitor but a will writer is useful if it's complex

If you are joint tenants you each own the whole property and if one of you does the property automatically passes to the other surviving joint tenant and does not form part of the deceased’s estate.
If you hold as tenants in common you each own a specific share (does not have to be 50/50) which forms part of the deceased’s estate.

That should be ‘dies’ not does.

It's not just what happens when you die that matters, it's what happens if you split especially if you are not married.

This is how I understand it in layman's language but do speak to your solicitor:

Tenants in common = you own some of the house, he owns some of the house. You agree what proportions you each own upfront (eg 80:20 or 50:50).

Joint tenants = you both own all the house.

Tenants in common - you can leave your share to whomever you choose.

Joint tenancy - it automatically goes to the surviving person.

You're paying the solicitor a significant amount of money; don't feel embarrassed about not understanding what she's saying to you - ask her to explain it again.