A
female
age
41-50,
anonymous
writes:Hey allSo ive been with my boyfriend over 3 years and weve finally agreed its time to move in together. We have our wedding planned for 2016 and it just feels like now is the right time. He owns his own house and i rent a flat so it makes sense for me to move in with him. Ive told him im not keen on living in his house and want our own home which weve been saving for. Weve saved enough money but decided it would make sense to live together in his place for around 6 months or so just for some final savings before we buy our own home together. I've given my notice on my flat and will be moving in with him at the end of the month. So i just need advice about the technicalities so he had a mortgage on his house that he pays around £400 per month. His other bills such as utility etc equate to around £400. So do i pay half of his overall bills or just half of his other bills? I'm just not sure whether i should be paying towards his mortgage or not?
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female
reader, Honeypie  + ♥, writes (13 January 2015):
 I have to say, if you are not spending MORE money living together I think it's fair enough to share, specially since you two plan to buy something together in 6 months time, the money you BOTH put into the current place gives equity toward the new place.
However, I sincerely hope you BOTH get on the deed for the new place and even have a solicitor draw up a document JUST IN CASE - so if he puts in (let's fabricate some numbers here) 10,000 and you put in 5,000 IF you break up it's split with this in mind. Fair is fair.
A
reader, anonymous, writes (13 January 2015): Hey, OP here. Thanks for all your advice. Its been really helpful just had the chat and as it saves me money anyway going to be paying half of everything especially as its only in the short term. We live on the outskirts of london which may be why this seems expensive to others, its really cheap for the area we lived in. And were not getting married for another year because i really wanted my sister there and she is travelling at the minute plus my better half only proposed new years eve so needed plenty time to plan. Also the reason i dont want to stay at my partners current property is because its really small and we would like somewhere bigger plus its quite far away from my work so we agreed to get a place which was approximately mid way. Hope i have answered all your questions. Thanks again for all your help.
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A
female
reader, malvern + ♥, writes (13 January 2015):
 Don't pay towards the mortgage It's not your house so why should you. Just pay towards your keep and only pay towards a mortgage when you have a house that you both own together.
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A
female
reader, Tisha-1 +, writes (13 January 2015):
 "So do i pay half of his overall bills or just half of his other bills? I'm just not sure whether i should be paying towards his mortgage or not?"
"Weve saved enough money but decided it would make sense to live together in his place for around 6 months or so just for some final savings before we buy our own home together. "
Has he put his place up for sale? One thing I learned about living in the UK was that selling property involved a complicated chain. I would consult with an estate agent ASAP in order to determine the timing of that sale.
Why are you not "keen on living in his house"? And why would you have given notice without working this out?
Presumably you two are essentially partners as of now so why would you not pay your share of your bills, whether they are incurred in "his house" or a rental you two share?
Your question suggests you haven't worked through this living together.
You are in your late 30s, any reason you have to wait a year to get married?
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A
female
reader, Lucky angel +, writes (13 January 2015):
Hey there :) I'm actually in a similar situation; my boyfriend and I wanted to buy a house and saved enough money, but I had a poor credit rating from my student days. We ended up just getting it in his name, I will pay half but we have been together for 5 years and I trust him deeply - he said if we ever broke up I would always get back what I put into it.How much is the rent you would pay on your current flat? Since this is his mortgage it might be fair if you just paid what you used to be for your flat, because he will still be saving a lot of money and that way you won't be paying his mortgage. £400 is a lot of money to be paying in this circumstance, but I think the best thing you can do is to talk to him about the situation, and agree on something you are both happy with. A good idea would be to perhaps pay what you would pay usually for renting your flat (eg. £300) and put some money into a savings account for you both each month - that way you are both contributing the same amount of money, but some of the money will be saved for your own house.hope I helped :)
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A
female
reader, Honeypie + ♥, writes (13 January 2015):
How much are you paying now to live alone? Will it cost you more to move in with him and "share" bills?
You two are however committed to marry next year, so where I would normally say do not share, I will say, help pay (though I still don't think 50/50 (for mortgage) is appropriate). UNLESS he puts you on the deed. Offer to pay for utilities, food or other costs I BET you it will add up to 1/2 the mortgage.
LEGALLY - Your name is not on the deed and you don’t have any owner’s rights.” And unless you sign a renter’s contract, you don’t have any tenant’s rights, either. YOU HAVE absolutely NO say, if it goes South and he wants you out. NONE.
For now HIS debt (mortgage) is HIS, once you two marry that will change.
Have you two talked about it? What is his ideas on this? communicate thoroughly and completely about your financial habits so that you know what you're getting into.
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A
male
reader, anonymous, writes (13 January 2015): Really now. You are entering into a partnership per say. You pay half unless he say's you do not have too. And do the right thing and make that offer right away.
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