me and girlfriend buying house, i will be paying

[EddieKidd]

me and my girlfriend are planning on getting a house together. I have saved and will be putting down all of the deposit i also will be paying most if not the whole mortgage and will probably recive some money down the line from sale of my parents house and was planning on paying off the remaining mortgage when this money was recieved.

I suggested as i will paying the mortgage that i would like to put the house just in my name. My girlfriend is adiment that she wants her name on the deed.

Is there anyway we can have both names on the deed, and still cover myself in the event of a break up. I wouldnt want her to be entitled to half the property if i have paid for the house.

Would it be better if i received the money from my parents in the form of a loan?

Thanks

[barry1010]

Whether her name is on the deeds (Registered Title) or not she could still be entitled to a share of the equity if you split up years from now.
Her name cannot be on the Registered Title if you get a mortgage solely in your name.
If her name is on the Registered Title she will be a legal owner the same as you and be entitled to a share of the equity, not necessarily 50%, depending on how you own the property - as joint tenants or tenants in common.
http://www.lawontheweb.co.uk/basics/cohabit.ht m

You could make a cohabitation agreement but it must be done properly.
http://www.oneplusone.org.uk/marriedornot/Cont ractsCohabitation.htm

It would be a hard person who throws a partner out with nothing after living together as man and wife for years. Bear in mind that if she believes this is to be her proper and permanent home, and treats it as such, she may have a right to a claim.

[EddieKidd]

thank you for the info, how do you go about agreeing a percentage and at what point in the buying process do you choose to be tenants in common or joint tenants? (seems like tenants in common would be the best option) she would be contributing to bills and food and may be able to contribute 5% to the mortgage, so I wouldn't mind registering a percentage to her, but how much I'm not sure would be fair.

What about the issue of the loan from the parents couldn't this be written up so in the event of a break up the house would have to be sold and the money repaid?

[dasherman]

I know someone whose house/mortgage is in her name but lives with her boyfriend and he pays her rent. They both seem to be happy enough with the arrangment,although if they split up it could get quite nasty!

[EddieKidd]

I also wondered does marriage (you never know) override any cohabition agreement or declaration of trust that may be written up? Or do those documents still stand? Thank you for your answers

[EddieKidd]

or even override the unequal shares when you choose tenants in common

[Whoever]

If you're really worried that breaking up might be a possibility, I think you should do the sensible thing and consult a lawyer on the best way forward. The world is littered with people who assumed that their partner would act honourably over finances in the event of a break up and then found they were lumbered with debt while the other person walked off with a pile of nice easy money.