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Relationships

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Long Term Relationship - Mortgage Issues

166 replies

CB20 · 19/11/2022 17:04

Hi All,

Some advice needed as to if I am being unreasonable, as my partner has bought a house and I pay for half the mortgage and bills, but he refuses to put me on the mortgage/deeds.

A bit of background for context. I met my partner 11 years ago, we have been properly together for 9 years, and lived together for 7 years. (Not married, no children)

When we met, he was at uni, so I often paid for more things (not living together at this point). Once he started working and we moved in together, we have always split everything 50/50 rent/bills/food etc. for the past 7 years.

He went into a finance career and was soon on double, then triple what I was earning, but we still split everything 50/50.

We said we were going to buy a house towards the end of 2021, but Covid happened and I ended up furloughed and on £800 per month, he still had his £100K salary working from home. I still payed half of the rent and bills, which wiped out my £800, so I could not save towards a deposit. He still had his job, plus had minimal expenses because of lockdown, so managed to save £50K, and his family very kindly gave him another £50K for a deposit.

He still wanted to buy at the end of 2021. I asked him to wait a year, as I was working again so I could save towards a deposit, he said no. I offered to sell my car to give £10K towards a deposit, and he said no. I asked to be put on the mortgage, with his deposit ring-fenced, I have no interest in trying to take his deposit, and he said no. He made up some excuses about us not being able to get the mortgage if I was on it that didn't make sense (as I was working again and have a very good credit score), but I had a lot going on with family at the time, so didn't probe more on this. I got upset a few times and said I felt we weren't a team, and should I just move back in with family, and he was just buying a house on his own - to which he said he would be our house. He then said that we would get an agreement that ring-fenced what he put in, and what I would be contributing, so I thought that this would happen and we would get an agreement, which would be fine. In fact, at one point he was even saying he only wanted to ring fence what his family put in, and that what he put in would be split with me, which he didn't have to do, as i was happy for him to protect all of his deposit - however, this is not what has happened since, so I feel like this all might have been a lie to placate me.

So we then moved into the property, and I paid for half of the renovations which cost £5K each, plus I have paid for half of the mortgage from the start which is £865 each per month, plus half of the bills/food/everything else.

3 months in, I brought up the subject of the agreement, as nothing had materialised and I was paying for half of everything. He got very angry and said this would cost a few grand at a solicitors. So I questioned why he didn't just put me on the mortgage from the start, ring-fencing his deposit of course, as that wouldn't have cost anything. He then said I was "money grabbing", and "must have thought I had won the lottery". I was very hurt and confused by this, as we have been together so long, and I have always contributed half towards everything, even though I earned less money (there were extenuating circumstances/I asked him to wait and offered to sell my car, so I deffo wasn't money grabbing). In fact, I went to uni later (different background from him), and only graduated recently, but I made sure I still worked all through my degree to make sure I paid for half of everything, so I have never sat on my butt doing nothing expecting a free ride, we are just from different backgrounds. Even recently I have had to take on more work to support my family (I don't have kids it was for an unwell family member). I then said to him that when he saved for his deposit, I was furloughed with very little and still paid for half the rent/bills etc, whilst he was on £100K (plus bonus), so perhaps if he had contributed more proportionally, I would have had something to put towards the deposit - he then was very angry and said "what, you expect handouts". He then also said the house wouldn't be half mine just because I was paying for half of it, and I said obviously I knew it wasn't fully half mine, as £100K worth is his ring-fenced, but then after that I thought it would be half and half, as I was paying for half of everything, to which he said it wasn't at all, and I was "trying to get a windfall". This is completely different to the agreement that he said to me we would have before we moved in - which at one point he was even saying he would only ring-fence what his family put in.

Anyway, this really played on my mind. A lot was going on in my family life, a family member became unwell, which needed a lot of focus and attention emotionally, and was costing a lot of money, so I took on extra work. I was (and still am) working Mon-Fri 9am - 5pm, plus I work Mon/Weds/Fri/Saturday night 10:30pm - 2am. So I was very busy, emotionally drained, and very tired. He knows how hard I work and how tired I am, I regularly fall asleep driving on the way home from my second job, so it's not like I am lazy and expect handouts. However, still no agreement materialised. so when 6 months passed, I called a break. I told him that I felt taken for granted, and felt like he was not committed, that he doesn't want to act like a team or partnership, so he needed to make his mind up - it's either that or he's controlling, and that he just wanted everything his way - he gets half his mortgage and half the renovations paid on a house that is all his. Plus, whilst I am paying for half his mortgage, I can't afford to save up for one of my own. Plus, it is quite hard to even get a mortgage on an average salary alone, I always thought we were going to do it together as a team, so I am not sure I will even be able to get one alone.

Anyway, the break dragged on with no resolution, we are talking more again, so I asked about it again. Now he is saying that because I went on a break with him, he definitely won't put me on the house, not for a few years and even then "I shouldn't get my hopes up", and that what I am paying him is rent (this is very different to what he said when we moved in). I also literally went on a break with him because of this, so it seems very circular. I have tried again from a different position, as I have said that if the house is all his, and he doesn't want me on the deeds or mortgage, then I shouldn't be paying the mortgage - and I especially shouldn't be paying it, as when we moved, I moved in under the premise that we were getting this agreement and I had a stake in the house, that is why I was paying for half of everything - and now he is saying that what I am paying him is rent. He is furious about this and has said that I need to pay it as rent, or move out.

He said today that he thinks I don't "deserve" to be on the mortgage/deeds because I didn't save for a deposit, but, as I mentioned above covid happened - which he said was "very convenient"/I asked him to wait a year/ offered to sell my car etc, plus have always paid for half and of course expected him to ring-fence and protect his deposit. Plus, I would never had had the level of his deposit anyway, as I was on an average salary, plus paying half the rent - he is on £100K plus deposit, plus family help - so I would never have had anywhere near what he has put in. Lots of my friends were in similar situations, with someone having a bigger deposit, but people just protect and ring-fence it. I would understand if I was a new partner, or he had had bought the house before he met me, but we have been together so long, planned to buy together (there were extenuating circumstances and he didn't want to wait), and I have always contributed half of everything. In fact, my family live 10 minutes away, his live in the countryside 3 hours away, but he moved to London to work here, so I could have lived with my family down the road and saved if I had known we weren't a partnership/team, as I've spent about £67K in rent/bills living with him for the past 7 years.

I guess I am just posting this, as I don't know if I am crazy and unreasonable really, and just want some opinions please. Should I be paying for half of the mortgage if I am not on the mortgage/deeds? Should I be paying it when the terms have changed, he originally said we would have an agreement that gave me a stake in the house, but now he's saying what I am paying is rent - which tbh is what I think he planned all along, or he would have got the agreement drawn up from the start right? I've paid £13,650 in mortgage payments and for the renovations since we moved in 10 months ago, under the premise that I had a stake in the house and we were getting an agreement drawn up, which didn't materialise, and I've since been told that what I am paying him will be rent. I think, if he had told me this from the start, I would have moved back in with my family to save my own deposit, as I would have felt we weren't a team and he wasn't committed.

If I don't pay his mortgage, then I could save for my own mortgage, my family member is a little better now and I still have both the jobs - so I might be offered a big enough mortgage by the bank as my salary looks better, but I can't keep up both the jobs forever, as I am falling asleep driving home, so it isn't ideal - plus I have no social life and am very tired. Plus, it just feels really sad that we can't be a team, I've never expected handouts and pay for half. Where does that leave our relationship.

Sorry it was so long...

OP posts:
CB20 · 09/12/2022 12:12

I know some people have said just to get married, or why would I expect to be on the mortgage when not married, but a lot of people don't get married these days, and we have been together a decade. I, perhaps naively, thought we were practically married anyway. Plus, years ago people got married sooner, so maybe it was more common to wait until married to do things like this together as that might be 5 years or so, but we have been together a decade.

Also, people generally these days can't afford to buy on their own. He can, but most people don't earn what he does, so most people buy together as a couple. So by him buying alone, I'm kind of stumped, I guess I could buy with a friend, but that's a bit of a weird situation, as we have been together a decade, and I have been paying for half the mortgage. I could also give a proportional deposit, as at the time I offered to sell my car, and could give that/more now, as not on furlough etc - it wouldn't be as high as what he put in, but proportional according to income, plus I always paid for half and said his deposit should be ring-fenced, so I wasn't just expecting to get a chunk for nothing.

OP posts:
BaddogGooddoggy · 09/12/2022 12:13

Take legal advice OP

FlowerArranger · 09/12/2022 12:13

Cheeseandhoney · 09/12/2022 12:08

I believe he has behaved badly in not meeting his commitments and the way he speaks to you. I believe you behaved badly in expecting to live rent free as a fully grown adult. You’re not married. He’d made it clear you should pay rent and I also would see you as a free loader. You should not have paid renovations though.

im astonished about just how often you mention his actual salary and not once do you articulate what yours actually is , and quite frankly how much you earn is not his fault

so for me, you should pay rent and half the bills.

Most people do not see a committed relationship in terms of financial transactions...

MakingNBaking · 09/12/2022 12:14

If you aren't going to leave then you need to take steps to secure your own financial future.
No children.
Save and buy a property, however small, of your own. And you can't save whilst contributing to his mortgage.
Do not contribute to anything in his house that you don't have a receipt for and cannot pick up and walk away with. Redecorating the lounge? No way. Buying some pretty cushions? Yes, you buy them and you keep the receipt.
Look at the price of a room in a local houseshare. Then half it and pay only that into the kitty. The other half, and you will be underselling yourself, is for services received from sex to changing the toilet roll.
Keep your own car, pay for your own hols, notarise any gifts given to you (gold horseshoe earrings, birthday present 2022 etc).
If all this sounds cold, clinical and 'icky', then leave and find someone who would give their last ha'penny to have the wonder of you in their life.

BaddogGooddoggy · 09/12/2022 12:14

You have an equitable interest in the property

FlowerArranger · 09/12/2022 12:16

BaddogGooddoggy · 09/12/2022 12:14

You have an equitable interest in the property

Meaning?
Implications?
What would you advise the OP to do?

CB20 · 09/12/2022 12:19

Cheeseandhoney · 09/12/2022 12:08

I believe he has behaved badly in not meeting his commitments and the way he speaks to you. I believe you behaved badly in expecting to live rent free as a fully grown adult. You’re not married. He’d made it clear you should pay rent and I also would see you as a free loader. You should not have paid renovations though.

im astonished about just how often you mention his actual salary and not once do you articulate what yours actually is , and quite frankly how much you earn is not his fault

so for me, you should pay rent and half the bills.

Hi, I know my messages are long sorry, so you might have missed some of it, but I have never expected to live rent free, that is not the situation. I have literally paid for half of everything from the start.

From the start he said that there would be an agreement for what I was paying - this never materialised - he didn't say the payments were for rent - but for a stake in the house - buying the house but with his deposit ring-fenced. The agreement never materialised - hence the situation. I wouldn't have agreed to pay the amount I was paying for rent, and possibly would have moved home to my parents if I knew that was the situation - as i would have known I needed to save for my own place, as I was under the impression we were buying together.

OP posts:
user1471538283 · 09/12/2022 12:20

I would leave now. In the future if he dies you will be homeless and in a worse financial position. Stop paying the bills and get them transferred to his name.

Go to your DM's and save aggressively for your own home.

Viviennemary · 09/12/2022 12:25

He isnt going yo put the house in uour name as he has stalled for too long. He probably thinks you would be paying rent anyway. He should give you the money you paid for the renovations.

BaddogGooddoggy · 09/12/2022 12:28

FlowerArranger · 09/12/2022 12:16

Meaning?
Implications?
What would you advise the OP to do?

Sorry, I’m rushing around. Basically, because she has paid the mortgage and amounts towards renovations etc, I believe she has an equitable title in the property that they live in. I think she should see a solicitor asap about her next steps. I suspect why he’s being nice as pie is because he has taken legal advice already.

just get legal advice OP

foggywindows · 09/12/2022 12:43

OP, you mention that you broke up with him once before because of 'something he did'. It sounds to me as though the money/mortgage is just one problem among many, many others. This sounds like a deeply unhealthy relationship.

Cheeseandhoney · 09/12/2022 12:55

BaddogGooddoggy · 09/12/2022 12:28

Sorry, I’m rushing around. Basically, because she has paid the mortgage and amounts towards renovations etc, I believe she has an equitable title in the property that they live in. I think she should see a solicitor asap about her next steps. I suspect why he’s being nice as pie is because he has taken legal advice already.

just get legal advice OP

Don’t be ridiculous. If that was the case tenants, lodgers and any family members who live with you and pay their way would have rights.

strawberry2017 · 09/12/2022 13:04

Please don't have children with this man, please move back to your mums, save for a deposit and put yourself first.
He is financially abusive, he will get worse if kids come along.
He is an arsehole!

Crikeyalmighty · 09/12/2022 13:59

@CB20 I would have a last shot at this- say you want a formal agreement in place as you feel very insecure like this. Either that or you get married. If he has an issue with a formal agreement then I think you have your answer- you love him, he likes you , but simply not enough I'm afraid to give a shit about making you feel insecure (quite rightly)

BaddogGooddoggy · 09/12/2022 15:19

Cheeseandhoney · 09/12/2022 12:55

Don’t be ridiculous. If that was the case tenants, lodgers and any family members who live with you and pay their way would have rights.

Not ridiculous, I’m afraid, it’s the law, and the reason why any tenancy/lodger arrangement should be based on a formal written agreement

Memyselfandsunshine · 08/01/2023 08:01

I am so sorry for you .
Genuinely from the bottom of my heart as I have been treated very similar.
Please please leave. It will never change.

You must retrieve that 5 thousand you put in. If you can prove that amount you can take him to small claims court yourself at very little cost
Evidence could be that you forwarded him the money or evidnence of you paying the money to the company who did the renovation. If you have that you can also ask for receipts and the bill of work which proves what was done and how much it cost.

You will be entitled to that money back. He sounds like an utter arsehole who is absolutely using you and as you say he clocked onto the fact you are generous and trusting years ago when you were paying out more during his less well-off student years.
He showed his true colours now because now that care and generosity you showed to get him where he is should be returned love and team work now you need thebsame support. Instead you're being left penniless when he knows you're worse off.
DISGUSTING.

I know it's heartbreaking but you are worth so much more than thus. He's shown his true colours and has NO care or concern for your wellbeing, mental health, stress levels or financial security at all. You can absolutely Guarantee he will never get married to you either because that woild entitle you to half the house and prevent you being kicked out and would give you rights.

This poor excuse of a man wants you to have no rights, no security and would happily leave you homeless and penniless. There are men out there who love their partner so much they have them in the mortgsge when they dont even have an income. And then there are the men who wouldn't dream of denying their loved one security when they're paying half of everything. Imagine I'd you had a child. He'd happily leave you screwed over and be one of those blokes who's loaded and who's Child and mother are living in a rented shit hole struggling to make ends meet refusing financial
help.

He's shown his worth and hes shown how little he values me and ive just gone through similar so believe me i know how much it hurts when you've been future faked and have to deal with the heart hurt on top of being financial screwed over.
I hope you leave and find peaceful mind soon xx

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