My partner and I are buying a house – but what happens to it if we split?

DEAR DEIDRE: AFTER four years together, my partner and I are buying a house – but how do I protect myself if we ever break up?

We’ve both been through a divorce and as neither of us wants the hassle of splitting assets again, we decided not to get married. He’s 48 and I’m 42.

For more advice from Dear Deidre

No issue is too small, too large or too embarrassing. Read our personal replies here.

  • Dear Deidre on Mental Health
  • Dear Deidre on Identity  
  • Dear Deidre on Debt and Money 
  • Dear Deidre on Work
  • Dear Deidre on Health and Wellbeing 
  • Dear Deidre on Addiction

I’m fine with this decision but I worry about where this leaves me if we split.

I don’t think this will happen – we’ve both given the other a promise ring, committing us to the other for life.

But I’m not stupid. He’s got two kids, aged seven and five, and more cash to put down, so I know he would end up with the house.

Get in touch in Deidre

Every problem gets a personal reply, usually within 24 hours weekdays.

Send an email to [email protected]

Or private message us via the DearDeidreOfficial Facebook page.

We change all personal details in our published stories to protect your identity.

I don’t have friends or family close by, so I would be out on the street.

Perhaps it seems silly to worry about something that hopefully isn’t on the cards but I was left with very little after splitting from my husband. I can’t go through that again.

DEIDRE SAYS: Many people do not like talking about money and assets but it is important you make these decisions together.

You are wise to be cautious. Unlike married couples or those in civil partnerships, cohabiting couples do not automatically have financial claims against each other upon separation.

Draw up a cohabitation agreement setting out what will happen if you were to split. Update your wills, too.

Contact Citizens Advice ( for free information and consider talking to a solicitor.

READ TODAY'S DEAR DEIDRE My neighbours have been a nightmare since my husband died

READ DEIDRE'S NEW PHOTO CASEBOOK Miriam has to look after her teenage daughter's crying baby

GET IN TOUCH How the page works and how to contact us 

    Source: Read Full Article