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Division of assets question post split

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Hi folks, I have a question for a pal of mine in the area of asset division in home ownership, out of marriage.

I have a young pal, aged 27. He's an electrician, very practical (as I think they all are) who has just split up from his girlfriend. More accurately, she came home last Thursday and said that she was leaving him, out of the blue, the day following her dad came and picked her and her stuff up and that was that. He's a bit shell-shocked to say the least and ranges from total confusion to anger to hurt to - well the whole range of post split up emotions.

I spent a few hours on the golf course with him yesterday and whilst I wont go into the details here - it isnt really relevant to the question - an outsider might say that for many reasons they were probably incompatible and for a young couple at the start of their life together, they seemed to have stagnated like a couple of middle aged people. Certainly very different in character it seems.

Anyway, as is usual, the discussions have turned sour and finance is at the heart of the situation; he is 27, she 24. He has worked for 10 years as a sparky, she is a year out of uni. He is highly skilled and has built up quite the nest egg (he's very old for his years) and she has had a job she hates for a year, post-uni, which didn't pay much.

They have been together for 5 years, lived together for about 2-3 years and moved in together a year ago with their first house. She contributed as much as she could for a deposit, my pal paid the rest. He has paid the mortgage in full since then apart from a few months where she chipped in a bit. They shared food and other bills. He has spent a small fortune on doing up the house and being in the trade has done an awful lot of practical things inside and out including sorting out the electrics, decorating, the garden, plastering etc. They have a joint mortgage, no children.

It seems that the parents are now giving some advice which is out of character for the girl (I never met her BTW). She is saying that a. she wants the home revaluing, her deposit refunded and 50% of all the equity or b. the home to be sold and the same outcome achieved. He, naturally, is against this and wants to giver her her deposit back, plus any contributions to the mortgage. I'm going to suggest that he get the home valued, pay her mortgage contributions back and her deposit plus a % increase against the value of the home.

Morally, I think I have the right balance but legally I suspect she is entitled to half, regardless of the contributions of each or the investment he has made in cash and man hours.

I guess I wanted to find out what the actual legal position is in this situation. The house is valued at £200k ish and the equity isnt going to be vast and so I dont think expensive solicitors will be a good option for her, or affordable. I just wanted to get some good advice to see if I can help him as he is all over the place at the moment and this isnt a familiar situation for me.

Thanks

Richard

Post edited at 09:46
 Siward 03 Sep 2022
In reply to TheDrunkenBakers:

I think his problem is the joint mortgage - they're equal owners and 50/50 will be the presumption. (possibly, don't rely on my limited 20 years out of date knowledge!) 

Post edited at 09:56
 Graham Mck 03 Sep 2022
In reply to TheDrunkenBakers:

I'm pretty certain Siward is right.  I would advise your friend to visit Citizen's Advice though to get some informed advice. One of things they may suggest is that your friend and his ex-partner engage in some mediation to see whether a different share of the house can be negotiated.

 climbingpixie 03 Sep 2022
In reply to TheDrunkenBakers:

If they bought it together when not married they'll have probably been asked about it in the process. I bought with my boyfriend last year and we had to state if we would be joint tenants (50:50 ownership and if one of us dies the other gets their share) or tenants in common, with each owning our share separately. If they've gone down the joint ownership route then I suspect she is legally entitled to half of the house, regardless of any greater contribution he put in, unless they'd put in place a legal cohabitation agreement or declaration of trust.

 TechnoJim 03 Sep 2022
In reply to TheDrunkenBakers:

As it's joint ownership she's entitled to a 50/50 split, as a starting point. If your pal has bank statements etc proving he's contributed significantly more then he'll be able to make a case for a bigger share, but that'll involve solicitors unless he can reach an agreement with his ex.

 Offwidth 03 Sep 2022
In reply to TheDrunkenBakers:

My advice is aways be generous and minimise contention in such splits or you will both lose (financially and emotionally) and only the lawyers will gain. Bitterness around break-ups can destroy lives.

 wintertree 03 Sep 2022
In reply to TheDrunkenBakers:

What does the mortgage agreement say?  That’s presumably the relevant legal document.  My limited experience of knowing someone in a similar situation who wanted to protect their larger contribution to the equity is that it required a separate legal agreement that was deemed sufficiently adverse to the less wealthy party that a single solicitor did not feel professionally able to act for both parties.

If he goes for buying her out, make sure it’s a RICS “Red Book” valuation that’s done and used, and that she pays half the fee for that. If the parents are hearing the ka-ching of a cash register at his expense you want a valuation they can’t reasonably get her to challenge down the line.   Make sure he gets a statement from the mortgage provider for the equity on the date chosen for the buy out.  Make sure she pays half the mortgage company fees incurred by this process.  I would have a legal agreement drawn up that binds both parties to a schedule of actions so she can’t welch on half the costs incurred. If his time spent arranging this is time out of work I’d be tempted to invoice her for half that but it’s probably a bridge too far for the parents.  (This is assuming a 50/50 split, if other arrangements are in place then adjust the split of costs accordingly).  If not RICS, three estate agents valuations, take the middle one and get her signed agreement to the process and the chosen value.

The division of equity may not be equitable - and as Offwidth says challenging that may just fund lawyers and fuel bitterness - but that’s no excuse for her to freeload on the costs involved in doing this fairly.

2
In reply to TheDrunkenBakers:

Thanks all.

In answer to a few points raised, there were no special arrangements made during the process. It was a simple joint mortgage without special arrangements.

Ive given him the lowdown and pointed him to Citizens Advice too. We have a mutual solicitor friend who could advise. He's a specialist but may have some idea.

Wintertree.  I have passed on this guidance. I have told him that the first place to go would be to understand the valuation and the valuation-his input and them come to an agreement on the division in advance of the legal work and mortgage changes, and to get anything agreed signed for in case there's a change of position on her part.

----------------

By the way, if anyone has further advice on golfing I'd like to hear that too. I started recently and its bloody hard.

 65 03 Sep 2022
In reply to Offwidth:

> My advice is aways be generous and minimise contention in such splits or you will both lose (financially and emotionally) and only the lawyers will gain. Bitterness around break-ups can destroy lives.

This.

Two friends divorced a few years ago. He dug in his heels (he's a lawyer but not family law) and ended up becoming a different person, very much for the worse.  It ended up going to court following two years of colossal stress, mental breakdowns and a couple of 100k down the pan which their kids could have had. Also resulted a massive rift with his kids, which is worth more than the money.

 wintertree 03 Sep 2022
In reply to TheDrunkenBakers:

> By the way, if anyone has further advice on golfing I'd like to hear that too. I started recently and its bloody hard. 

https://www.imdb.com/title/tt0080487/

1
 arch 03 Sep 2022
In reply to TheDrunkenBakers:

> By the way, if anyone has further advice on golfing I'd like to hear that too. I started recently and its bloody hard.

Hit a club off the tee that gets you in the fairway irrespective of distance. (Can't beat being straight) Don't compound one mistake with another, take your medicine. (Chip out back on the Fairway) Use a 7 iron around the green, not the Lob/Sand wedge glory shot. (Use it like a Putter)

Where you playing ?? If it's Hollinwell, can I join you ??

Post edited at 11:06
In reply to arch:

Newark Golf Club

You'd be welcome to join me

Post edited at 11:19
 arch 03 Sep 2022
In reply to TheDrunkenBakers:

Nice. Played their Open a few years ago. Nice course.

Good luck.

Post edited at 11:07
 Jenny C 03 Sep 2022
In reply to TheDrunkenBakers:

As others have said when we bought the solicitor asked what the split was with joint ownership (in our case 50:50). It seems totally wrong that she should walk away with half if she has contributed less financially and less in terms of physical labour.

He needs a GOOD solicitor, will cost but when BIL divorced (she walked out and it got very nasty) he ended up with more than he would have asked for if they had settled amicably. Sometimes it does come down to who can afford the best solicitor, and unless the bank of mum and dad helps her out, it sounds like your pal is in the stronger position there.

Edit: are his cash savings solely in his name? If so my understanding is that she has no claim over them, any division of assets is solely related to the jointly owned property (and I guess house contents).

Post edited at 11:27
1
 jethro kiernan 03 Sep 2022
In reply to TheDrunkenBakers:

I would get him to clearly outline his expenditure on the house and ask in mediation for this to be considered, if well presented it may help.

If not at his age he should walk away with the 50/50, it’s not worth him spending what should be some of the best years in anger and bitterness fighting over the cost of shower fittings and chipboard.

 CantClimbTom 03 Sep 2022
In reply to TheDrunkenBakers:

The devil is in the detail and some details like how the property is owned may be relevant. If they both own it they might have it as both jointly owning 100%, or they might have it as each owning half  i.e. 50:50. Sounds the same but isn't. I remember my solicitor needing to know this decision when I bought my home.

Sadly he will need solicitor advice, which yes... comes at a price. Any expenses for separation he should keep a record including receipts. At least they're not married with kids, that'd be so much worse on many levels. I'm not advising that either of them should use lots of solicitor time and do everything via solicitors (that only the benefits solicitors) but if he gets an initial bit of advice that might send him in the correct direction, that will save all sorts of trouble later.

If you can guide him to remain as non adversarial as possible about the process no matter how petty it might get, that benefits everyone including himself.

Post edited at 12:27
1
 Jenny C 03 Sep 2022
In reply to CantClimbTom:

Daft though it seems sometimes you get legal cover included in your house insurance policy. Worth checking.

 Babika 03 Sep 2022
In reply to Offwidth:

> My advice is aways be generous and minimise contention in such splits or you will both lose (financially and emotionally) and only the lawyers will gain. Bitterness around break-ups can destroy lives.

Another vote for this sound advice.

Also try to draw the line fairly swiftly. If house prices are rising in your area the longer it drags on the higher the buy out - which will presumably be funded by an increase in mortgage as your mate is unlikely to have a spare few thousand lying around. 

Try to ignore valuing things like the practical work done on the house by the bloke. Partners in a relationship contribute entirely different things in terms of warmth, beauty, cleanliness and generally building a happy nest. Don't try to measure the light sockets. 

 Mike Stretford 03 Sep 2022
In reply to TheDrunkenBakers:

> She is saying that a. she wants the home revaluing, her deposit refunded and 50% of all the equity or b. the home to be sold and the same outcome achieved.

This is something to clarify, as 'all of the equity' includes the total deposit. Does she mean

- Her deposit refunded, then 50% of (the equity- total deposit)

or

- Or 50% of the equity

If your friend contributed significantly more to the deposit then the former could a reasonable outcome (in a 'get one with your life' kind of way). Worth considering.

If they can't reach an agreement then the alternative is him starting legal proceedings, with the ongoing financial and emotional cost....... and it could end up staying as 50/50 of the equity.

 Dave Ferguson 03 Sep 2022
In reply to TheDrunkenBakers:

no idea about equity split but re: the golf concentrate on your pitching wedge and get really good at those 10-50 yard shots onto the green, if it saves you a putt thats where to claw it back. One of the most frustrating games on earth but when it goes right that 19th hole feels so good.

In reply to Dave Ferguson:

> no idea about equity split but re: the golf concentrate on your pitching wedge and get really good at those 10-50 yard shots onto the green, if it saves you a putt thats where to claw it back. One of the most frustrating games on earth but when it goes right that 19th hole feels so good.

Frustratingly,  these are my best shots. My approach/PW are pretty good, relatively. Its my tee/driver and FW shots which let me down.

In reply to thethread:

BTW, this isnt an elaborate fictitious story, made up to improve my handicap for free.

 minimike 03 Sep 2022
In reply to Babika:

Agreed, but if he has signed up to a 50:50 ownership, she can take that and he has no defence. I'm afraid it looks like he was naive or ill advised when buying with his partner who had little/no capital or income. Legally I don't think he has much to stand on, so an amicable spilt is in his best interests even if she demands her (legally entitled) 50%.

Obviously, as advised above he should check the deeds and mortgage to make sure this js the case.

 ExiledScot 03 Sep 2022
In reply to TheDrunkenBakers:

If he's put in say 80/20 and has the statements to prove this then he has a case worth fighting. But, it's wise for him to suggest to her they go for something 75/25, 65/35 etc.. to avoid any legal costs on both sides. He can do this verbally, but by email is far far better. 

She'll likely argue she brought stability and support that allowed him to earn, cooked and cleaned. But it's likely she was living entirely for free during her uni years.

He's going to get burnt either way, but he's also dodged a bullet, as at least they've no kids. He'll learn as he sounds like a wise young grafter and will protect his efforts better in the future.

3
In reply to TheDrunkenBakers:

Hopefully they can settle amicably. 
Others have covered things so only one thing I would add - particularly important if they agree something without Solicitors - get both sides to sign, independently witnessed*, full and final settlement agreement(s). * It would be worthwhile paying a Solicitor to do the agreement and witness alone if nothing else for the safety of both parties.

It’s not unknown for one party to come back at a later date if their circumstances change/they rethink/pressured by others/etc, citing whatever in future and looking for more.

1
 Tobes 03 Sep 2022
In reply to TheDrunkenBakers:

In Scotland, when myself and partner bought our place I happened to have a bit more of a deposit at the time and was advised by our solicitor that down the road (he was mostly joking) if we were to split that would play an important part of the ownership/splitting the property etc.

Might be worth getting that clarified as it sounds like your mate put in most of the deposit? Another angle possibly.

 Michael Hood 03 Sep 2022
In reply to TheDrunkenBakers:

Rejoice every time the ball goes where you intended 😁

 gazhbo 03 Sep 2022
In reply to ExiledScot:

> If he's put in say 80/20 and has the statements to prove this then he has a case worth fighting. But, it's wise for him to suggest to her they go for something 75/25, 65/35 etc.. to avoid any legal costs on both sides. He can do this verbally, but by email is far far better. 

If he put in 100 and she put in zero it still wouldn’t be a case worth fighting unless they have a declaration of trust providing for an unequal division of the equity (which it sounds like they don’t).  

The time to protect your interest in a property you own with someone to whom you’re not married is when you buy the property, not when the shit hits the fan. 
 


 

Post edited at 22:37
 gazhbo 03 Sep 2022
In reply to wintertree:

> What does the mortgage agreement say?  That’s presumably the relevant legal document.  My limited experience of knowing someone in a similar situation who wanted to protect their larger contribution to the equity is that it required a separate legal agreement that was deemed sufficiently adverse to the less wealthy party that a single solicitor did not feel professionally able to act for both parties.

The mortgage agreement won’t be relevant.  The lender won’t care how the equity is divided between the owners as long as they get paid.  What will be relevant is whether the elected to own the property as tenants in common when they bought it (which will be apparent from the title register) and, if so, whether there is an express declaration of trust providing for him to get more out because he put more in.

If not then his additional contribution is irrelevant.  He won’t get it back.  If he wants to argue about it in court he’ll probably have to pay her costs too.

 Snyggapa 03 Sep 2022
In reply to TheDrunkenBakers:

big assumption - they are not married and if they are, none of this applies.

If it's a joint mortgage then they both have problems as they are probably jointly and severally liable for the mortgage. He could potentially stop paying, live in the house on his own (because she has simply chosen not to) and wait until the bank screws both of them. And she would potentially be equally liable. Or he could just continue paying and living there and ignore her , depending on how the ownership is structured. He may have a case against the finance / mortgage advisor that set this up as it's a fairly predictable outcome that should have been made crystal clear what it meant for their long term futures.

Since it has only been a year since the property has been purchased, the good news is that the figures should be fairly manageable. The only "sensible" way out that I can see is to add up all of the personal contributions into the property - so deposit and mortgage payments on each side. Then work out how much the property has increased in value since it was purchased - minus the cost of any works carried out only by the electrician. Do the maths, work out a figure that potentially could be paid to the lady, then agree a payment plan if it is not a figure low enough that can be afforded - subject to the property being signed over to the man and the mortgage being able to have her name removed. You could arguable deduct an amount for "rent" over that period since the property is in effect being unwound as if it were always being the man's - hence she should pay a reasonable rent. Also who paid for (and who's name is on the utility bills etc.)

There are a number of possible problems, such as if he can't afford the mortgage on his own, or the interest rate has increased. The counter argument is that he is now taking on all of the risk.

If she does nothing and property prices crash - and this is not improbable - is she going to stump up 50% for the negative equity.   

4
 Mark Kemball 03 Sep 2022
In reply to TheDrunkenBakers:

> By the way, if anyone has further advice on golfing I'd like to hear that too. 

Don’t bother, you could be climbing...

 Darkinbad 04 Sep 2022
In reply to Snyggapa:

Defaulting on your mortgage payments to turn the screw on your estranged girlfriend is not a good plan for future happiness.

Getting lawyers involved, other than for basic advice on where you stand (which I would recommend) is a great way to ensure that neither of you end up with anything much more than burning resentment.

If they are tenants in common, then she owns 50% of the house, no argument. If they are unmarried joint tenants then the split could be more nuanced (in Australia it would still be 50:50 as they have been together long enough to establish a "de facto" spouse relationship).

I was in a similar situation many years ago (although after 5 years of co-habitation) and allowed my ex-partner to buy me out for half the equity (valuation minus mortgage) despite having contributed all the deposit. I still feel the occasional pang of bitterness at the unfairness of this, but I'm pretty sure it was the right decision.

One other point, for which you definitely need legal advice, is that stamp duty might be payable by the buyer if there is a transfer of title and possibly this might differ depending on whether it is a joint or common tenancy.

1
 Darkinbad 04 Sep 2022
In reply to Darkinbad:

Indeed, stamp duty is payable - see https://www.gov.uk/guidance/sdlt-transferring-ownership-of-land-or-property...

Although bear in mind that the person receiving the cash will also have to pay stamp duty if they want to turn that cash back into (a share in) a house, so it impacts both parties.

 minimike 04 Sep 2022

>Partners in a relationship contribute entirely different things in terms of warmth, beauty, cleanliness and generally building a happy nest. Don't try to measure the light sockets. 

Are you calling his mate ugly?

2
 Iamgregp 04 Sep 2022
In reply to TheDrunkenBakers:

> Frustratingly,  these are my best shots. My approach/PW are pretty good, relatively. Its my tee/driver and FW shots which let me down.

Back off the power and concentrate on hitting them straight down the fairway.  You’ll hit no absolutely brilliant tee shots but get round in less overall. Once you get a bit better you can start upping the power on the tee shots.

 Iamgregp 04 Sep 2022
In reply to TheDrunkenBakers:

Similar thing happened to a mate of mine. He and his family put in all the deposit, he paid most of the mortgage, then she left him and demanded half of everything. He offered her more than she’d put in to walk away but she dug her heels on for half of everything, which, like your mates ex, she was entitled to.

He managed to find his way out of it by moving out, getting a buy to let mortgage, renting the place out and giving her the half she demanded, and buying another (cheaper) place. She’s happy and left with what she wanted, he’s has the original property as an asset.

 Babika 04 Sep 2022
In reply to minimike

> Are you calling his mate ugly?

The house

 profitofdoom 04 Sep 2022
In reply to TheDrunkenBakers:

My take on the situation for your friend:

Friend should arrange mediation with professional help, and both parties must come to a signed and witnessed written agreement satisfactory to him;

Or failing that get a decent lawyer;

Or, failing both/ either of those, prepare to get burned.

Sorry if this sounds harsh 

Post edited at 13:54
 AukWalk 04 Sep 2022
In reply to TheDrunkenBakers:

Sounds like a bullet dodged for your pal! Got to wonder why on earth he agreed to a joint mortgage without thinking through the implications, especially as he was going to be putting more money into it than her... Oh well.

I think if I were him I'd try and get some kind of dialogue going with the ex - set out how he sees the situation all the money he's put in vs what she put in, what he thinks is a fair outcome etc. Then try to understand what her understanding is the situation is, bearing in mind her parents may well be in the driving seat now and they may have not been told the full story by her... In the interests of coming to an agreement discounting the difference in mortgage repayments (only 1 year after all) and DIY work seems like it might be wise.

Meditation worth looking into as well. 

Post edited at 14:00
In reply to TheDrunkenBakers:

Thanks folks. Im playing golf with him again this week so I'll pass on the comments. Might even share this thread and he can read for himself.

Post edited at 08:34
 wercat 05 Sep 2022
In reply to gazhbo:

presumably the extra contribution given also allowed her to complete her university course and contributed greatly to her future earnings potential.

I think he needs a good lawyer pronto or he's just been used as a launchpad

Post edited at 09:01
2
 neilh 05 Sep 2022
In reply to ExiledScot:

Does not matter unless there is an agreement in writing.  It’s always a 50/ 50 split. 

 neilh 05 Sep 2022
In reply to wercat:

Does not matter. 

 neilh 05 Sep 2022
In reply to TheDrunkenBakers:

Yes it’s a 50/ 50 split. Always remember  that you are only hearing one side of the story!
 

 Godwin 05 Sep 2022
In reply to TheDrunkenBakers:

I am surprised that the solicitors/ conveyancers do not sort something out when the house is bought, if only to protect the position of the mortgage provider.

Generally I would seek the advice of a qualified legal professional, as opposed to opinionated gobshites on the Internet, but hey, what do I know ¯_(ツ)_/¯

 Ian_Cognito 05 Sep 2022
In reply to TheDrunkenBakers:

Very similar scenario to when a family friend got divorced - she was studying, he was working and put all the money in, she walked out, no kids.

I do remember him being overly generous until someone else reminded him that she was the one that walked out and he was getting fleeced by her - I seem to recall her parents were quite well off.

I don't know the specifics of the outcome, but he's now happily with someone else.

Sadly, a mate of mine's wife has told him she wants to separate and they do have kids, so I'm hoping that can be resolved amicably, for both their sakes!

 gazhbo 05 Sep 2022
In reply to wercat:

> presumably the extra contribution given also allowed her to complete her university course and contributed greatly to her future earnings potential.

> I think he needs a good lawyer pronto or he's just been used as a launchpad

Doesn’t matter.  They’re not married and (from the info provided) they decided, at the point of purchase to own the property in equal shares.   
 

They are free to agree what they want so his best bet is to see if she will agree, out of some sense of moral obligation, to divide the proceeds so as to recognise his greater contribution, but if she digs her heels in the only thing a good lawyer will advise him is not to waste his money arguing for something he won’t get and not to make the same mistake next time.

I’m a family lawyer (though I don’t profess to be a good one) and I advise people about this stuff all the time.  Disputes between unmarried couples are potentially very expensive, almost always disproportionate, and courts have virtually no discretion to go beyond what it says on the title register.

 gazhbo 05 Sep 2022
In reply to Godwin:

> I am surprised that the solicitors/ conveyancers do not sort something out when the house is bought, if only to protect the position of the mortgage provider.

They do - every single time (though it’s nothing to do with the lender, they don’t need their position protecting any more than it already is).  Joint owners need to provide an express declaration of how they intend to an the property.  The problem is that people don’t listen or care, and just blindly tick the joint tenants box because it’s at the top and “the default”

 minimike 05 Sep 2022
In reply to gazhbo:

Agreed, and also people who are buying/moving in together don't like to entertain the possibility it might not be eternal roses..

 Babika 05 Sep 2022
In reply to minimike:

> Agreed, and also people who are buying/moving in together don't like to entertain the possibility it might not be eternal roses..

That is exactly the point. Few people enter into a marriage or relationship with a cynical eye on costs. Personally I think that's right - I wouldn't want to be with someone who produced a pre-nup and I wouldn't do it myself. 

1
 Rob Parsons 05 Sep 2022
In reply to Godwin:

> I am surprised that the solicitors/ conveyancers do not sort something out when the house is bought, if only to protect the position of the mortgage provider.

The mortgage provider's position is bombproof, whatever happens to the people who have taken out the mortgage: if the repayments stop happening, the house will be repossessed.

 Keith C 05 Sep 2022
In reply to TheDrunkenBakers:

If I understand correctly it doesn't sound as if she's being entirely unreasonable, which suggests negotiation is possible. If she only wants her deposit back and she contributed less that's not a complete 50 - 50 split of the house value. So I'd agree that and then negotiate how you work out the equity - I'd try to argue for 50% of the price the house has probably gone up in value disregarding your friends work and expense. Using a valuation with a website like Zoopla should just revalue with house price inflation so won't include the value added by doing the house up. It's probably still a reasonable amount of money and I suspect she will want closure asap. Good luck to him!

 climbingpixie 05 Sep 2022
In reply to AukWalk:

> Got to wonder why on earth he agreed to a joint mortgage without thinking through the implications, especially as he was going to be putting more money into it than her...

The flip side to that argument is why should she put herself in a potentially vulnerable financial position with no housing or protection if the relationship ends? I wouldn't, no matter how much I loved and trusted someone!

 AukWalk 05 Sep 2022
In reply to climbingpixie:

There are a lot of options between having a joint mortgage and paying into a house with no legal claim on it at all though.

To mirror your post, no matter how much I loved and trusted someone I wouldn't be getting a joint mortgage (with no other legal agreement about equity) with someone if I was going to be paying more of the deposit, paying more of the mortgage off, and renovating it with my money. It would put me in a vulnerable financial position with no protection if the relationship ended. 

Post edited at 22:06

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