Should you charge your partner rent? I do - here's why

[@sebluketravis2438]

I think you skipped over the part where if you broke up your partner could claim for payments made. You HAVE to be smart, you have to get an agency to draw up a contract where you would issue a section 21 if you split up and they go from your partner to your lodger, if you can't do that then it can get messy. Talking is important, but so is a signed document - if my partner didn't like that, then do one.

[@G_Money_]

Speaking from a guy prospective. As a man, I would never ever move in with my girlfriend who has a house of her own unless we both rent. In this situation, if our relationship is really serious and thinking about marriage, my girlfriend and I would get a house together and have her house she previously own as a rental property. This is just me.

[@Marta-Lis]

Hope your future girlfriend shares your views:)

[@lauriejane]

Open and honest communication is the most important part of financially healthy partnerships. My views on managing money within my relationship have evolved as we have grown together and our circumstances have changed, but I think respect and communication have been the pillars that allowed us to adapt. Thanks for sharing your views on such a controversial subject - our society collectively needs to get more comfortable with discussing money in relationships (including the really hard conversations you mentioned).

[@Marta-Lis]

This is exactly the goal: respect and communication no matter the circumstances. As you say, things change, valued need to be upheld. Thank you for watching and leaving such a great comment.

[@Jasmin-xc4rv]

Every person should aim to pay their own way ,its fair ,if their is no talk of it, their only using you and your situation to their advantage ignorance to these types of people is bliss , see through the low level they've let you stand On as they treat you this way , its ugly to even speak of it, it's a known thing to offer , not to ignore an expect you to keep paying while he lives rent free , fuck him 4 doing that, ..

[@hawkinsn31]

Nothing is free , even married couples both have to contribute to their cost of living. If your boyfriend is working and living with you in your house then it is right and proper he give you something for his keep.

[@Marta-Lis]

I agree. Thank for watching!

[@hawkinsn31]

@@Marta-Lis No worries , btw I live in Gdansk Poland but come from the Thames Valley in the UK. Are you not tempted to retire in Poland ?

[@Marta-Lis]

@@hawkinsn31 I like Gdansk a lot! Which neighbourhood did you go for? Such a fantastic city... I spoke about it in my What If I had To Retire Now video as an option. Not really, unless I had to. The political situation and appalling women rights (among other things) are one of the many things that put me off.

[@hawkinsn31]

@@Marta-Lis We live in Gdansk Orunia , which is one of the cheaper neighbourhoods in the Troj Miasto but Polish house prices have been increasing at around 20% per annum near Gdansk. Very few Polish women I know like the PIS party very much at all. My wife is Polish but only votes PIS because of the pięćset plus policy.

[@Marta-Lis]

@@hawkinsn31 Orunia is nice (from what I heard)! The prices - I couldn't believe it when my friend told me about these increases. Crazy times! I wouldn't vote for PiS no matter what they gave me. They take away far, far more.

[@astrothsknot]

adam's using all the facilities and living there, he can pay his share. if you want to call it rent, then it's rent. but he should pay his share.

[@Marta-Lis]

Yes, Edem is paying his share:) Thanks for watching.

[@R.and.R.]

I think it would be strange if he didn’t offer to pay you at least some rent. You’re doing it right.

[@Marta-Lis]

Thank you! And thanks for watching.

[@ArturK1M]

I agree. Talking about it is important. And don't be afraid of mentioning the benefits of that, both panties benefits and give benefits to it.

[@Marta-Lis]

100% this. Thanks for watching, Artur.

[@rufdymond]

Got to be honest - as a man I would never move into a woman's property, that's just me. If we get a property under joint ownership yes, no problem....but moving in, not a chance.

[@Marta-Lis]

Why not? You said you wouldn't - which is fine. I'm curious about your reasons.

[@thecrypto5340]

No woman wants to babysit a man. Women date up as in rich men. You might be the exception of this.

[@guye94]

Mutually beneficial situation; like you said a win-win. In lockdown had a similar situation where I stayed with my female partner for 6 months and paid below market value rent which worked similarly to how your arrangement works by reducing cost of living for us both.

[@Marta-Lis]

Great to hear that there are other girlfriends with this approach;) Exactly, as long as it benefits both - it's a good approach. Thanks for watching!

[@michaelgardner5687]

A very level-headed approach. Would you recommend using the rent money to overpay on your mortgage or use it for other things, such as investing?

[@Marta-Lis]

Glad you think so. Personally, I keep it away from mortgage as that could create Beneficial Interest. Investing is fine. Thanks for watching!

[@MrRoyck10]

Whilst I submit that there is no such thing as a free lunch, you have to be extremely careful with this area of English law referred to as Law of Equity that applies in cohabitation where one party owns the property but the other party gains an equitable interest in the property by virtue of living in the house and contributing to the upkeeps of the property including cleaning, DIY and paying towards the houses. Equity law supersedes both English common law and statute, effectively it is for the judges to decide based on equitable principles of fairness. Thanks

[@Marta-Lis]

YES! It's a great point and that's why I made it clear that we both know who owns the house in case of a break up (from the very beginning). Home ownership can really complicate seemingly obvious things... Thanks for watching!

[@romerobjuancarlos]

Extremely pragmatic, but it's an approach (as a homeowner in my early 30s) I think I'd seriously consider. I'd have that discussion, or a couple if need be, I think it'd save both parties a lot of awkward moments moving forward. I really like this channel, even though I got here by searching Tim Reaper mixes (lmao!). Came here for the jungle but stayed for the advice. Keep up the good work! x

[@Marta-Lis]

You know, it can still be awkward but, as you mention, saves more awkwardness down the line. Hahahaha, that is... unexpected! But very much appreciated. Thank you!

[@jefftaylor8584]

Careful with cohabitation rights... If one person owns the property You will not usually have any rights to the property if you don’t own the property or a share in it, unless you can prove you have: contributed to the deposit for the house or the mortgage payments

[@caterinas6863]

If you’ve paid towards the mortgage, or towards improvements or an extension, you might be able to establish an interest in your home. This is from the government website.

[@Marta-Lis]

Yes, we're both aware of this. Thanks for bringing up (and watching)!

[@Marta-Lis]

100% true. Thanks for watching, Caterina.

[@alistairrobinson3865]

Such an interesting topic, great stuff!! iv been the landlord / partner and charged rent, we both agreed it was the best balance and a win:win ie similar way as in your story (ie relationship, balance, extra income, for me, super cheap rent / low stress for her)... On the other hand 600 rent all inc (without the homeowner stuff) to live in a nice house with my partner would be a dream!!! (having been privileged enough to have homeowner / landlord stress for 10+ years..)

[@Marta-Lis]

Right? I sometimes think that too! No mortgage, no landlord stress - bliss! Thanks for watching, Alistair.

[@johncullen6439]

Intersting topic and one which you are correct in highlighting as so many people find it hard to be proactive with discussing. I've been on both sides of the agreement. With a former partner, we agreed that i would pay rent - the equivalent of half the rental income i recieved from the house i owned independently and rented out as a result of us moving in together. This meant that we both benefited whilst the property had a tenant and if it was empty neither of us were significantly worse off. In another relationship i agreed my partner could move in and continue to pay a below market rate rent, which i was then able to use as additional money to spend on activities together. this meant we had more disposable income and much more time and less travel to spend time together. In both occasions, we both felt that we did well out of the deal and were under no illusion of ownership of the mortgage and home. I think to have a partner stay and not pay rent and stay for free is likely to store up problems in the future. I know couples who have had that arrangeemnt and as a result have remained together for much longer than they should as a result of one having things too good and not able to see a future where they would need to cover rental costs.

[@Marta-Lis]

This is super interesting - the point where you mention couples remaining together because of a cosy housing arrangement. It's so true! Which only confirms that charging rent is highly advised;) Thanks for watching and sharing your story, John!

[@sigurdurgretarsson8527]

Very interesting vide, thank you. When I got to know my girlfriend (having been divorced for a few years) she owned a house and when we eventually moved in together, we agreed that I would pay rent. I pay rent which is equivalent to a cheap-ish apartment, so I´m not coming off much cheaper than living on my own but she pays everything that is connected to the property, taxes, electricity, heating, and maintenance. So I think that is more than fair. If we will some day stop living together I would not ask to get anything paid back from my rent, I am happy that she is able to pay for her property and to pay off her mortgage (which she has already done) because like you say, I am living here with a high degree of safety so to speak and I count that as a blessing. I am able to save a decent amount every month towards my retirement, she has paid off her property and can also save towards her retirement as she wishes, and in my eyes that is a win-win, especially if we do end up spending the rest of our life together. Which I sure hope will be the case :) Again, thank you for this very interesting video, I appreciate your willingness to share with us your finances with total honesty. I am subscribing to this excellent channel.

[@Marta-Lis]

Sounds like a very similar agreement to ours!:) Like you said - it's a win-win and gives plenty of safety to both parties. I do wish you a lifelong happiness together! Thanks for watching.

[@thecrypto5340]

I can see where the relationship is going. Your boyfriend has no leverage as in owning properties which is not good. Your boyfriend depends on you since you are the breadwinner.

[@Marta-Lis]

Five comments under one video - wow, thanks for the engagement! Glad to see that you believe you can tell the future - can you predict lottery numbers, too? Your opinions about my boyfriend, our relationship and me are just your opinions. Hope you're aware of that. Enjoy the rest of your day!

[@ajulydreamer]

I agree, love has nothing to do with it but also if you both love and respect you each other then you would manage the bills together.

[@Marta-Lis]

Absolutely. Every time I think of how to make the housing situation more equal... it just makes much more sense financially to continue with this arrangement. Thanks for watching!

[@Heidi123]

Sounds like a sensible arrangement that benefits both of you.

[@The_journeyy]

Yes Gwen 🔥

[@Marta-Lis]

It does. Thanks for watching, Gwen!

[@redhouseclose]

Presumably your boyfriend is named on council tax bill.Some institutions liked to see proof of payment of household bills which your partner had before when renting; has this not caused him any issues?

[@Marta-Lis]

Thanks for watching. The council haven't even bothered to send me the bill (still sent me one with my name only on it) so it's a hopeful presumption;) No issues I know of, no. Not sure I understood you correctly - what institutions? He moved in with me so I didn't need any references so to speak.

[@redhouseclose]

Hi I meant banks like to see proof of paying bills linked to a property when considering loans etc.

[@Marta-Lis]

@@redhouseclose Ah, he has no loans (and no need for any at the moment) and his mobile phone contract is from when he lived on his own. He will be on the council tax bill though - once it finally arrives;)

[@redhouseclose]

Hi Thanks for reply.I moved in with my partner and paid all the bills whilst renting out my own property. Eventually I got a BTL mortgage and bought a 30% stake in her property as she has 2 children and I have one so a 35/35/30 split for inheritance purposes. Always more issues if partners have children from previous relationships.

[@Marta-Lis]

@@redhouseclose Always more issues when partners have anything from before their relationship;) Looks like you managed the situation really well - and already future-proof it. Nice!

[@hitchjack]

Long term follower and fan of the channel, so not looking to be negative. Yep It’s good that you charge Edem rent. You aren’t married and it’s right you don’t share everything. I do wonder how you will get on in the future as it seems you and Edem are on different pages financially and that’s a recipe for problems long term.

[@Marta-Lis]

Thanks for watching, Jack. I know what you mean. Well, there's usually two options - we'll make it work or we'll part ways. For now, we're making it work;)

[@kenroyforte6175]

I agree with you. You’re single and legally he’s just a roommate.

[@Marta-Lis]

Ouch. And they tell me I'm blunt! Thanks for watching!

[@giorgioc8263]

actually approach to Money and negotiating daily bills and expenses is one of the first things to discuss when considering someone for a relationship. I don’t see the opposite happening though, like if I owned a house, I wouldn’t charge my GF rent, but I would expect her to clean, tidy up etc. Part of your sexual market value as a man if being able to provide resources. Is ok for A girl to charge her BF rent, but the opposite…come on.

[@Marta-Lis]

Wouldn't say first thing when considering a relationship but definitely when planning to move in together. The roles you describe are a bit old-fashioned. My boyfriend loves ironing and we share cleaning. If he expected me to do that - even in a situation you describe - I'd tell him we're in 2022 (this is exactly what he tells me when I fall into stereotypical gender roles). Thanks for watching.

[@giorgioc8263]

@@Marta-Lis well I am old school, so what hehe. And based on what I see on dating apps And the very low birth rate in the west I am not sure this “modernity” will stick for the future. And I can quote you a lot of girls that would be happy to just have a part time job and work for / support their men in a way or stay at home. Relationships are negotiations and it depends on mens and womens values. Seems like both you and your BF are modern persons and it works for you, which is fine.

[@happinesswatts]

I think its better to be charged a rent rather ymuse all money together pay bills etc

[@ciaoatutti11111111]

May I ask.. Not intending to be contentious but question is tricky... What if your partner asks to buy half of your property? Any strong view on either way

[@Marta-Lis]

We've already talked about it. It is tricky indeed considering the current value and the initial deposit - things that would need to be decided on with solicitor's help really. Far too messy and, quite frankly, unaffordable for my boyfriend. So the current agreement is the best for now. Thanks for watching.

[@thecrypto5340]

@@Marta-Lis that’s cap 🧢. He can also get into property ladder if he has the right knowledge. I think you like to control your boyfriend. That’s what I’m getting at.

[@kenpachi_d_oden]

Great video and a mature take on this situation 👍🏾

[@Marta-Lis]

Glad you think so. Thank you for watching!

[@Denisebemmett]

He should be paying the mortgage. No compromise!

[@Marta-Lis]

The mortgage is mine, not his. Thanks for watching!

[@Denisebemmett]

@@Marta-Lis Blessings!

[@abrahamotomewo9242]

Your videos I must say are fairly informative but £1500 for a money coaching course really? One would need a net worth of close to six figures to pay that for financial advice, or “coaching” for it to be remotely justifiable.

[@Marta-Lis]

Glad you like my videos, thanks for watching. And thanks for checking my money coaching offer. We're clearly not a good match at the moment.

[@abrahamotomewo9242]

@@Marta-Lis I was trying to understand the value of such an offer. If your about promoting serious and smart investments for the future why would someone invest £1500 to be money coached. You neatly provide a lot of the information they would need in your videos.

[@Marta-Lis]

@@abrahamotomewo9242 I answered this in FAQs on the page.

[@ilyasshamis6832]

This is so so inspirational for me personally

[@manuelalves4411]

If both are working should be 50/50 on bills don't mixed love with business

[@Marta-Lis]

What if their earning are different? Different couples, different agreements;) Thanks for watching!

[@lartydanceoff369]

Market value isnt an indicator of a fair rent. Fair enough to charge half your mortgage. Its not a black and white polemic of landlords and renters as you put it. Hes not a stranger/tenant you never met.

[@Marta-Lis]

Very true. Thank you for watching!

[@hukuyukei]

he's not a boyfriend, he's a roommate

[@Marta-Lis]

With all respect, not up to you to judge. Thanks for watching.

[@thecrypto5340]

Exactly. She is in control. I know she might take advantage of him.

[@The_journeyy]

This is a brilliant thing to do I'd do exactly the same 👏

[@Marta-Lis]

Glad to hear we're on the same page here;) Thanks for watching!

[@gerry2345]

I like this vid. Good arrangement.

[@Marta-Lis]

Thank you (also for watching)!

[@davidwood9991]

Good video. Nice shorter haircut. Housing costs money - the rent should be something fair based on the costs - and ideally slightly less than the market rate - and benefits both :-) Can you rent a room to a partner - when the assumption is that you are mainly using the same room. The important thing is being able to retire young - feel free to carry on if happy :-)

[@Marta-Lis]

Thanks, David (also for watching). Not really, you can't treat your partner as a lodger and even renting is not official or HMRC would want a cut of it. Definitely. It's always tricky when two people are at different stages in life.

[@yeahweburnstuff]

Darling you are NOT AN INFJ!!! It's hilarious to see such an obvious INTx type think they're an FJ type. Love from London!

[@Marta-Lis]

All the tests I took came up with this result, honey. Thanks for visiting my website;)

[@thecrypto5340]

Your boyfriend should to start getting into property as soon as possible!

[@Marta-Lis]

This is his channel: kzbin.info - feel free to comment there.

[@thecrypto5340]

@@Marta-Lis sure thanks

[@tf2368]

What if it was the other way round?

[@Marta-Lis]

I would like to co-own. So I'd ideally suggest buying somewhere else together 50/50. Thanks for watching!

[@danielferguson5491]

He's your girlfriend

[@Marta-Lis]

As our daughter, you know best, Daniel.

[@Jasmin-xc4rv]

My boyfriend is selfish and greedy I don't know how I am still with a type of man that makes me have to ask for a little bit of rent I shouldn't have to , I should allow myself to dump this Mofo and find a decent Man that would not consider putting me in an embarrassing situation to have to ask , my fault I gotta let this loser go

[@Marta-Lis]

It does sound like you two need to talk. Good luck! Negotiate well!