I agree. Her mortgage shouldn't factor into it. She should charge appropriate rent, but not put it in terms of her mortgage. It is her house. She's the one getting equity. I think it is totally fair for her to keep sole ownership, but I think she made a critical mistake in calling it "our" house and talking about sharing the house expenses. I'm not surprised that he's feeling a bit shocked now. If she had started with something along the lines of, "I want to buy a house now that I'm in a good position financially. I'd love for you to continue living with me and we can come up with a fair rental agreement." Don't even imply "our", especially if you live somewhere with common law marriage statutes.

Well he isnt contributing to the down payment, he doesn't qualify for a mortgage with his job instability, and this would be cheaper than him renting a place, its a good deal for him and he doesn't deserve to be on the title

I don't get it, he isn't paying anything toward the down payment or closing costs, but expects to be listed as co-owner on the deed?

Paying half the mortgage would not constitute half ownership, imo. Half ownership means paying half of all expenses of owning a house...property taxes, replace new roof, ac/heater, water heater, painting interior/exterior, etc when needed. Owning a house is more than just a mortgage.

What is the difference in his paying, say $600 a month in "rent" to her and her immediately putting it towards mortgage payments, and his paying $600 directly on the mortgage? Nothing, that is what. She is asking him to pay to STAY AT THE HOUSE...whether you call that "paying rent" or "paying towards mortgage"...it is a distinction without a difference. Unless the building is paid off, EVERYONE who pays rent is "paying the mortgage and not owning the place"...that is kind of what rent IS.

How about all other expenses?! Buyin and owning a house dont imply only the xost of mortgage. If somebody want to be on the property papers should pay half of everything.

I was thinking that the "not ok thing" here is that she actually wants him to share the mortgage without sharing the property of the house. Paying rent to you gf / bf also sounds a little bit wild to me. But it would be very fair that he pays for other bills / expenses (groceries, electricity, ...) if she pays the mortgage.

Or, if she can't afford the mortgage repayments alone, then there must be some kind of legal agreement that can be drawn up that they each get back the portion they put in and a matching portion of the increase in value, should they sell one day. You can not ask someone to pay half the mortgage and not have any legal right to some of the proceeds when you sell. She's made the whole financial side very complicated - with him paying no utilities but half the mortage. It should be half the utilities/bills each for clarity and a split as needed on the mortage, with a matching payout should they sell up one day. She's handled this badly.

If he was on the mortgage then she wouldn't be able to exclude him from being on the house as an owner, so she is the only one listed on the mortgage which then also means she is his new landlord and is charging him rent. Though if it is a 400K house I have no idea how she is expecting him to pay the rent on that with only minimum wage.

This. I know I still, somehow, in 2021, feel it’s acceptable for men to fork out for their partners. And still treat them as equals. And it’s not the same the other way round. That’s not right, is it? So, not cool. Agree.

Completely right but they aren’t planning to get married so they shouldn’t be buying a house together.

you do realize.. even if her name was not on the deed and you split up.. that you could given her whatever you wanted to.... you thinking she would have gotten nothing.. says a lot about you. shes 22 alot can change quickly at that age.. esp if she has a great work ethic and he has none.. and she pays the lions share of the bills.. paying everything including vacas and groceries while he only has to pay 1/2 the mortgage/rent.