Depends who's putting more money in, doesn't it?
If you are, hell yes, tenants in common. If they are, or if it's the same contribution, joint tenants is fine/better for you.

Because you don't have to die for the relationship to end and the house to be sold. And in my job you see one fuck of a lot of bitter people going for every penny they can.
( rachelswipe with a fork, Mon 16 Feb 2015, 8:10, 1 reply, 9 years ago)

no
Unmarried couples may wish for their share of the equity to be kept in the family, especially if the deposit was funded from a legacy.

There are IHT considerations as well, there's no IHT between spouses but there is where couples aren't married.

Depends if the equity exceeds 325k though.
(Good evening Good evening, Mon 16 Feb 2015, 8:13, Reply)

I'm married with two kids, do I get to die soon? I don't really care about the house, I'm just after a bit or peace and quiet.

( Peej, Mon 16 Feb 2015, 8:15, Reply)

Hopefully.

(Good evening Good evening, Mon 16 Feb 2015, 8:17, Reply)

FASCINATING PROPERTY BANTER

(old man river possible lesbian, Mon 16 Feb 2015, 8:16, Reply)

I HAVE A HOUSE WITH A MORTGAGE!

( Peej, Mon 16 Feb 2015, 8:17, Reply)

AND NO KITCHEN!

( Peej, Mon 16 Feb 2015, 8:17, Reply)

COINCIDENCE! I HAVE A HOUSE WITH A KITCHEN AND NO MORTGAGE!

(old man river possible lesbian, Mon 16 Feb 2015, 8:18, Reply)

If your kitchen is as piss ugly as your garden, you might want to take some tips from peej here

( rachelswipe with a fork, Mon 16 Feb 2015, 8:20, Reply)

My washing machine is silver and my fridge is a stainless smeg thing
Do not EVER take kitchen tips from me
( Peej, Mon 16 Feb 2015, 8:21, Reply)

does your dishwasher spell out the remaining time on the floor in LASERS?

(old man river possible lesbian, Mon 16 Feb 2015, 8:28, Reply)

I am my dishwasher

( Peej, Mon 16 Feb 2015, 8:33, Reply)

do you have a laser pointer?

(old man river possible lesbian, Mon 16 Feb 2015, 8:35, Reply)

No, I'm afraid not

( Peej, Mon 16 Feb 2015, 8:37, Reply)

I get a new kitchen in 10 days!

( Peej, Mon 16 Feb 2015, 8:20, Reply)

I got a German one
It cost faasands and faasands of pounds but the drawers are massive.

[your mum joke here]
(old man river possible lesbian, Mon 16 Feb 2015, 8:27, Reply)

poor psychochomp :'(

(Good evening Good evening, Mon 16 Feb 2015, 8:17, Reply)

You know where talk is
Feel free to fuck off back there and stay there
( rachelswipe with a fork, Mon 16 Feb 2015, 8:19, Reply)

I did kind of invite the topic.

( Kroney, Mon 16 Feb 2015, 8:32, Reply)

you terrible shit

(old man river possible lesbian, Mon 16 Feb 2015, 8:43, Reply)

Basically it depends on where you want your part of the money to go
Like I said, remember you're not just talking about the death of one partner here. If you're putting in more, you need to be careful. I had one client who had put down 95% of the deposit and paid every penny of the mortgage for 8 years. When she found her wastrel fiancé perving over her kid/his stepdaughter, she kicked him out. He went for half the house on the basis he had contributed to the deposit and it was joint tenants. She was beyond devastated.
( rachelswipe with a fork, Mon 16 Feb 2015, 8:18, Reply)

so that's why sportscow was 'really busy'

(Good evening Good evening, Mon 16 Feb 2015, 8:20, Reply)

This^
My Brother in law sold his Porsche 911 to put the deposit down on a place with his fiance. Just after moving in day he found out she was fucking most of his FRIENDS. The bank won't give him a mortgage in his own name even though he has been paying the lot by himself for years now and it got very nasty because they are 50/50 on the Mortgage despite her living there for about a week and not paying a penny towards it. Its sorted now but it was a pain. She wanted to just sign her interest over but she was told she had to get legal advice, which she couldn't afford. So my Bro in law ended up paying for her solicitor as well as his own and her solicitor told her not to do it and to fight for half. Luckily Bro in Law stopped paying her solicitor, she couldn't afford him and in the end signed the paperwork, but years of stress and worries.
( Peej, Mon 16 Feb 2015, 8:32, Reply)

Yep
It's horribly unromantic but much better to sort these things before you commit your cash. Hopefully you'll never need to worry about it, but if it does go all Pete, you'll be sorry if you don't.
( rachelswipe with a fork, Mon 16 Feb 2015, 8:38, Reply)

so, tenants in common then.

(Good evening Good evening, Mon 16 Feb 2015, 8:41, Reply)

Sigh
Unless your partner is stumping up all the cash. Then keep your mouth shut and go for 50/50 when it goes pear shaped.

Weren't you listening?
( rachelswipe with a fork, Mon 16 Feb 2015, 8:46, Reply)

Probably shouldn't have proposed to a slag.
That's my advice; don't marry a whore.
( Kroney, Mon 16 Feb 2015, 8:40, Reply)

you're like Clare Rayner or summat

(old man river possible lesbian, Mon 16 Feb 2015, 8:41, Reply)

I like IHT in my T

( drimble he'd been white, he'd been black, Mon 16 Feb 2015, 8:45, Reply)