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Joint mortgage but seperated

  • 07-01-2021 8:27pm
    #1
    Dave46
    Registered Users, Registered Users 2 Posts: 26 ✭


    #1

    Myself and girlfriend have recently split up, we have a joint mortgage together as well as 2 small children, we are still living together as neither of us wants to move out or can afford to.
    We have a joint bank account which my wages and her job seekers allowance go into and all bills and mortgage come out of.
    What would be a fair split towards the payments between us? Id rather us each have seperate accounts now and transfer money over each month for bills etc
    Thanks


Comments

  • #2
    Xterminator
    Registered Users, Registered Users 2 Posts: 4,782 ✭✭✭Xterminator


    Separate accounts, and an agreement on shared bills is the way to go. Will save heartache later on, and is very transparent, for fairness.

    Either transfer money into a joint account, or each others personal accounts to cover shared expenses, like bills, or split the bills, eg i get the mortgage every month, and you cover gas elect and bins. ETC.

    Obviously there will be a big disparity in how much you earn as you are working. But that is not as a result of the breakup, very few couples are on similar wages. there is no magic formula unfortunately.

    The kids should be the guys you think of, so civility, agreement and compromise is the only way forward. If one of you eventually decides to move out, - then the expense of 2 households will need to be taken into account.

    If you need a little help family mediation service is free, and can help bring balance to any disagreements.

    https://www.citizensinformation.ie/en/birth_family_relationships/separation_and_divorce/family_mediation_service.html


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