moving to a rental with DP but I cant afford

[pinkcheckpillow]

My DP and I are moving to a 5 bed rental he can afford, I can't. He sees no problem as he will pay and I have been his maid so he sees he will still benefit from not paying for cleaning, cooking, laundry etc. I work but my income is low. I never wanted to live in such a big house. I do not know why we need 5 bedrooms. We do not have DC together. He has adult DCs but rare contact. He has the need for a big house as it is all about the status. I failed the checks for this rental but I do want to be on the contract as otherwise I will have no right to occupy the property. We have been together for over a decade but not married. Despite his wealth he has never made any provisions for me in case something happens. My fear is if something happens to my DP (60) whilst we are in a property I can not afford to stay - what happens? He does not want to make any provisions for me, despite all the years together.

Do you not want to leave him? Sounds like you massively resent the whole set up.

@LittleRedRidingHoody I do not resent, I fear.

Two ways: out now or stay there and have a small or big job and save it all. Don't go on the contract. If and when he dies, you can just leave without paying rent

@aprayeratatime but apparently if one is not on the contract = no right to occupy. To me it feels like almost homeless.
However if I fail check then clearly they know I can not afford to pay any share. Could I still be on the contract? Just wondering how this is viewed.

You've been his maid?! Is he paying you?

Or you want commitment? Ask him to marry you if so.

if he is so wealthy why is he renting? why would you want to remain in a property you cannot afford if he passed away?

Where did you hear the bit about no right to occupy? If you are worried about his income he can get some kind of redundancy insurance, can’t he?

Stay off the tenancy. That way, he is solely responsible for paying the rent. Also, work FT. You need to make provisions for yourself. You will be on poverty and unable to support yourself if you break up or if he dies. You can't afford to be his maid and work PT.

If you are both moving in - regardless of finances - you both need to agree this is the right home.

I wouldn't move anywhere until we reached that understanding and stage.

I wouldn't take on a 5 bed house. I have a 4 and it's a pain in the arse.

OP you need to make your own provisions. You need to work full time and not be his maid.

How much does he pay you for being his maid?
Why do you do this?

Don't move in with him

There was a thread recently where the OPs partner had died and made no provision for her in his will, despite saying he had done so. It’s good you’ve recognised you’re vulnerable here. Why does he not want to make you secure financially? This set up sounds like you’re being financially abused.

Why would you do this? Seems mad.

Untrue, you could be named as a permitted occupier therefore not liable for the rent. help.portfolio.nrla.org.uk/hc/en-gb/articles/12144612909201-What-is-a-permitted-occupier

Though it doesn't sound like you actually want this move, why are you doing it?

You can't go on The Tenancy if you fail referencing but you can be a permitted occupier, in fact the Landlord/Agent should insist on it.
The whole situation sound like a mess though and I suggest you just dump him and live somewhere else