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Helping Junior onto the housing ladder

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Muttley
Muttley
31 Jan
9:08am, 31 Jan 2025
3,754 posts
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Muttley
Thanks Mushroom, interesting link. Bookmarked for a closer read later.
LLG
LLG
14 May
7:06am, 14 May 2025
3 posts
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LLG
This is a bit late but for any other readers
I had a letter of agreement with my daughter when we helped her. When the bf moved in, he signed a letter acknowledging our initial assistance and how money would be treated in the event of split.
They DID split, he got a little tricky. She whipped out the letter and everything went through as smooth as a nut after that. The lawyer in the house sale had a copy of the letter and followed the financial allocation / methodology without comment or difficulty.
Muttley
Muttley
14 May
8:22am, 14 May 2025
4,012 posts
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Muttley
Thanks LLG. Relationship breakdown is obviously one of the scenarios to bear in mind. The trick would be to avoid accusing by implication partners that they're gold diggers. Muttley Jnr isn't quite ready yet for the bottom rung of the housing ladder but I shall be referring back to this thread when he is.
LLG
LLG
14 May
9:03am, 14 May 2025
4 posts
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LLG
For us it was all about getting the paperwork sorted, fair and signed BEFORE anything else happened. We all thought they were paired for life.
In other news she has moved home, twice since then, found a lovely new partner and guess what..........they have an agreement in place. Drafted by her and then checked via ChatGPT for additions and omissions.

We thought about a 2nd charge when helping each of the three daughters buy BUT at some point you have to let go of it being "your money" and it seemed a bit overkill. Mine are 34 & the twins 33, We have good relationships with them and they are pretty sensible.

Happy to chat stuff through via FMail / G Mail if it helps when the time comes.

good luck
Muttley
Muttley
3 Jul
1:10pm, 3 Jul 2025
4,151 posts
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Muttley
Boing ... reactivating this thread to record this interesting piece about a Supreme Court ruling:

archive.ph

Seems to indicate that there's little need to worry about an ex making off with most of the cash if it was accumulated prior to marriage.

Quote:

The supreme court has now upheld the £25m figure after five justices unanimously agreed that because most of the sum of money had been earned prior to the marriage, Clive was entitled to keep the largest share.

The landmark judgment might involve the super-wealthy but is “relevant to everyone”, said family lawyer Caroline Holley, partner at law firm Farrer & Co.

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About This Thread

Maintained by Muttley
So Muttley Jnr's job is looking secure and a decent long-term prospect. The time is approaching to start paying his own mortgage instead of the landlord's.

We are fortunate in that I can contribute substantially. But ... I want to do it in such a way that if he is hit with a division of assets in future, my contribution stays with him/us. Divorce, financial disaster, whatever. Unlikely but I can only afford to do this once so I want protection.

Anyone been there, any experience o...
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