My boyfriend lives in the house I bought and pays for half of everything, including the mortgage. It benefits us both.

"Many friends and family thought it was unfair that he was paying 50% of the expenses without benefiting from homeownership. However, this arrangement works for us and is part of a bigger plan for our future. By sharing costs, we're accelerating our savings for an investment property."

"Here, unmarried couples who contribute to a partner's mortgage payments or home improvements "in good faith" (believing they'd eventually get a share in the property) are sometimes awarded legal compensation. So, we also have a cohabitation agreement in place that states he understands he has no financial interest in the house, regardless of the bills he pays."

"We're both currently saving to buy a second property in 2027. The plan is for me to pay 50% of the deposit and mortgage payments, but this one will be in his name only. Our goal is eventually to live in one home and rent out the other."

A person in their 20s purchased a house solely in their name while in a relationship, with their partner moving in and splitting all household expenses including mortgage payments. To protect against legal claims from unmarried cohabitation, they established a cohabitation agreement clarifying the partner has no financial interest in the property despite contributing to payments. This arrangement accelerates their savings toward phase two: purchasing a second property in 2027 in the partner's name only, with both contributing equally to deposit and mortgage. The strategy aims to eventually own two properties—one per person—that can be rented out for income. If the relationship ends, each person retains their own property, providing financial security and independence while building a joint investment portfolio.

Read at Business Insider