im looking for a bit of advice here and hope somebody can point me in the right direction.

I bought a property in June last year. My girlfriend moved in with me at the time.
The house is entirely in my name. However my girlfriend would like to pay a lump sum towards my mortgage. The probem is she's a student and therefore its going to be difficult in getting her name added to the deeds and in fact the mortgage as she will not be paying anything on a monthly basis for the next 2-3 years...

Has anybody done anything similar? Should i see a solicitor if so are there any on here with experience of this kind?

Many thanks

A solicitor dosn`t usually charge for the first hour anyway, so its got to be worth getting an appointment, if only to point you in the right direction.

hiya
A friend of mine had a similar situation. They went to a solicitor and had some kind of agreement drawn up that She had put x amount of equity into the house, he had put x amount in and then was contributing towards mortgage payments so that if anything happened she didnt lose everything but as his name wasnt on the mortgage he got something out too. I think it has to be legally done tho for it to be binding

AIUI you don't need to pay a dime towards a property to be named on its deeds. Paying for a property and having a stake in it are 2 separate things - if you want to put her on the deeds to your house, you can do.

Just be sure that's what you want to do, obviously.

I believe it's called beneficial interest.

Without wishing to wee on your chips, everything is good when a relationship is working well, but in the event of a relationship breakdown, things need to be watertight and crystal clear. As there is a financial link, it is in the interest of both parties to ensure this happens.

You should see a solicitor - they will be able to help you with your situation.

get a co habitation contract drawn up by a solicitor. these become null and void if / when you get married though.

You really need to see a solicitor and get proper advice about something like this. If she just pays you a lump sum to reduce your mortgage she would have a beneficial interest but if you were to have a dispute about it in the future then you'd have to go to court to resolve it - expensive and unnecessary.

You can get a solicitor to draw up a... I think it's known as a deed of trust, where your respective legal interests in the property are clearly defined as (sorry to get technical) 'tenants in common'. So say for example your girlfriend puts in 10 grand on your 100 grand house, she has a ten per cent share to your 90 and if you sell in ten years at 120, she'd be entitled to 10 per cent of the proceeds of sale.

Not only does this mean that you can define your unequal shares in the property but, if one of you were to die, the deceased person's share passes into their estate.
The alternative to this, holding the property as 'joint tenants', means that if one of you dies the deceased person's share passes automatically to the other 'joint tenant', which you may not want. (Don't be confused by the terminology, the term 'tenants' has nothing to do with renting! It's just old fashioned, non-plain english, legal speak)

thanks for reply peepz ;)