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ONE-STOP
LAW SHOP
please send any questions to
law@outmag.co.uk.
IF YOU HAVE A LEGAL PROBLEM AND NEED THE
ANSWERS VISIT OUR RESIDENT SOLICITOR
GABRIELE GIAMBRONE.
DEAR GABRIELE
My partner and I have just had to renew my
mortgage, and although it is the best product
around, it has gone up by 30%. My boyfriend is in a
much higher-paid job than I, and has insisted that
he will cover the extra mortgage, which makes me
feel incredibly guilty. Can you please advise me on
the fair way to deal with this situation? Maybe a
contract? I really want to feel like an equal and not
feel fi nancially paid for.
Stefan
DEAR STEFAN,
Really this question is more about your relationship than
WE’VE COME A LONG WAY?
it is about legal concepts. When you talk about drawing
up a new contract for the house which takes into account
fi nancial diff erences, I assume you mean making some
B 6 3 : 3 5 / : 0 / B B : 3 A ; / G < 3 / @ : G 0 3 E = < 0 C B
other form of contribution. This could mean that certain
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bills are your responsibility or that you undertake to do
some of the domestic duties around the house. However,
B 6 3 7 @ < 3 E 1 6 / : : 3 < 5 3 B = 1 6 / < 5 3 A = 1 7 3 B G � A
do you really want to enter into this type of situation with D 7 3 E A = < 6 = ; = A 3 F C / : 7 B G
your partner? Can you imagine having an argument over
the precise terms of your domestic duties contract?
Certainly, agreeing to pay the bills could be a good 6 ] ^ S T c Z Z g [ O \ g ] T g ] c e W Z Z V O d S a S S \ E S � d S P S S \ O R R ` S a a W \ U g ] c \ U ^ S ] ^ Z S � a O b b W b c R S a
comprise. However, you must avoid over exposing yourself A b ] \ S e O Z Z � a A ] [ S > S ] ^ Z S / ` S 5 O g 5 S b = d S ` b V ` ] c U V O a ^ S Q W O Z Z g Q ] [ [ W a a W ] \ S R ^ Z O g Q O Z Z S R
so that you are unable to keep your promises. Try to work 7 b Q O [ ^ O W U \ b V O b O ^ ^ S O ` S R ] \ $ P W Z Z P ] O ` R a 4 W b = d S ` b V S Z O a b $ [ ] \ b V a b V S ^ Z O g V O a P S S \ a ]
out what you can aff ord and consider having those utilities T ` ] [ 1 ] ` \ e O Z Z b ] / P S ` R S S \ a V W ` S S O ` Z W S ` b V W a ^ ] a W b W d S Z g ` S Q S W d S R b V O b e S � d S P S S \ W \ c \ R O b S R
transferred into your name. This would avoid the need g S O ` B V W a Q O [ ^ O W U \ a b O ` b S R Z W T S W \ a Q V ] ] Z a O a e W b V ` S _ c S a b a T ] ` b V S ^ Z O g b ] b ] c ` S f b ` O a Q V ] ] Z a
for a contract between you both, which, let’s face it, could ^ ] a b S ` a ^ ] a b Q O ` R a O \ R a b W Q Y S ` a T ] ` [ W \ U ^ O ` b E S O Z ` S O R g ^ Z O g S R b ] g ] c \ U ^ S ] ^ Z S
be decidedly unromantic! Aside from the fi nancial side of ] T A b ] \ S e O Z Z � a 3 R c Q O b W ] \ T ] ` / Z Z e ] ` Y e V W Q V � Q V O Z Z S \ U W \ U b V S W ` c a S ] T V ] [ ] ^ V ] P W Q Z O \ U c O U S
things this may give your partner one less thing to do. b O Q Y Z S a V ] [ ] ^ V ] P W Q P c Z Z g W \ U W \ a Q V ] ] Z a B V S O \ R P S V O d W ] c ` W \ O e O g b V O b [ S O \ b [ O \ g
^ ` ] P Z S [ W a W [ [ S \ a S ) $ # ] T g ] c \ U Z S a P W O \ P S Q O [ S O e O ` S ] T b V S W [ ^ O Q b ] T b V S W ` O b b W b c R S a W \
Unfortunately or fortunately (depending on your view U O g O \ R P W a S f c O Z ^ c ^ W Z a O ` S P c Z Z W S R / Z O ` [ W \ U Z g e O g a b V S g a W [ ^ Z g V O R \ � b Q ] \ a W R S ` S R P S T ] ` S
point) your partner contributes more to the running of ! ` S ^ ] ` b b V O b W b � a O R c Z b a e V ] O ` S ` S a ^ ] \ a W P Z S
your household. Unless you can contribute more money T ] ` V ] [ ] ^ V ] P W Q W \ Q W R S \ b a W \ b V S W ` a Q V ] ] Z a B V S E S � ` S O Z a ] ` c \ \ W \ U ] c ` a S Q ] \ R 5 O g G ] c b V
you will remain in this position and a legal document U ] ] R \ S e a W a ] c ` ` S a S O ` Q V a V ] e a b V O b e V S ` S 3 d S \ b W \ 8 c \ S B V W a S d S \ b ` S Q ] U \ W a S a b V O b T ] `
which purports to put you on the same footing may be b V S ` S W a O e ` W b b S \ ^ ] Z W Q g b V S W \ Q W R S \ b a ` S R c Q S P g O [ O \ g g ] c \ U : 5 0 ^ S ] ^ Z S a Q V ] ] Z W a \ ] b O U ` S O b
misguided. [ O a a W d S $ B V W a W a e V g A b ] \ S e O Z Z � a 3 R c Q O b W ] \ S f ^ S ` W S \ Q S O \ R W a O ^ Z O Q S b V S g e O \ b b ] Z S O d S O a
Having a good relationship is about a lot more than just T ] ` / Z Z Q O [ ^ O W U \ W a a ] Q ` c Q W O Z b ] O R R ` S a a W \ U a ] ] \ O a ^ ] a a W P Z S B V W a [ S O \ a b V O b b V S g T S S Z T O W Z S R
balancing the books. Many couples regard their joint V ] [ ] ^ V ] P W O e W b V W \ a Q V ] ] Z a O \ R S \ a c ` W \ U b V O b P g b V S S R c Q O b W ] \ a g a b S [ B V S 5 O g G ] c b V 3 d S \ b
earnings as if they were in a common pot to be used as and Z ] Q O Z O c b V ] ` W b W S a Y \ ] e e V O b U c W R O \ Q S b ] U W d S a S S Y a b ] O R R ` S a a b V W a P g ] T T S ` W \ U ^ ` O Q b W Q O Z a Y W Z Z a
when the need arises. Assuming that the relationship is O \ R P c W Z R W \ U Q ] \ T W R S \ Q S
destined to last, it is quite possible that your position could B V S a Z ] U O \ A ] [ S > S ] ^ Z S / ` S 5 O g 5 S b = d S `
change for the better in the future and you will be able to 7 b V O a P ` ] c U V b S f b ` O O b b S \ b W ] \ b ] b V S O Z ` S O R g B V S \ S f b g S O ` e W Z Z a S S A b ] \ S e O Z Z � a 3 R c Q O b W ] \
make a greater contribution to the mortgage. ^ ] ^ c Z O ` Q O [ ^ O W U \ B V S ` S � a b V S T O Q S P ] ] Y ^ ` ] T W Z S B S O [ R ] c P Z S W \ a W h S / a O Z e O g a e S V O d S O \
The vast majority of couples would just be pleased that as e W b V ! " T ` W S \ R a e V g \ ] b X ] W \ b ] R O g - O a e S Z Z O a O [ P W b W ] c a e ] ` Y ^ Z O \ b V O b e W Z Z a S S [ ] ` S g ] c \ U
a couple they could aff ord their larger mortgage payments b V S O ^ ^ S O ` O \ Q S ] \ 6 ] Z Z g ] O Y a e V S ` S Q V O ` O Q b S ` ^ S ] ^ Z S b V O \ S d S ` P S T ] ` S O b b S \ R W \ U a Q V ] ] Z a
and probably would not think any more about it. 9 ` W a 4 W a V S ` e ] ` S b V S b a V W ` b 4 ] Z Z ] e W \ U b V S e V S ` S V ] [ ] ^ V ] P W O W a b O Y S \ a S ` W ] c a Z g O \ R
Gabriele Giambrone P W Z Z P ] O ` R Q O [ ^ O W U \ e S ` S Q S W d S R V c \ R ` S R a ] T \ ] b b ] Z S ` O b S R 7 \ 8 c Z g A b ] \ S e O Z Z Z O c \ Q V S a b V S
Z S b b S ` a S [ O W Z a O \ R ^ V ] \ S Q O Z Z a [ ] a b Z g a O g W \ U 3 R c Q O b W ] \ 1 V O [ ^ W ] \ a > ` ] U ` O [ [ S B V S a Q V S [ S
Gabriele is Managing Partner of Gay Lawyers, LGBT Division � b V O \ Y g ] c � O Z b V ] c U V a ] [ S e S ` S T O ` Z S a a e ] ` Y a e W b V Z ] Q O Z O c b V ] ` W b W S a b ] a V O ` S P S a b ^ ` O Q b W a S
of London-based international law fi rm Giambrone Law LLP. Q ] [ ^ Z S [ S \ b O ` g / a [ O Z Z P c b a W U \ W T W Q O \ b \ c [ P S ` O \ R ^ ` ] d W R S a O ` O \ U S ] T a c ^ ^ ] ` b T ] ` a Q V ] ] Z a b ]
He specialises in relationship break-ups, particularly in child- ] T P W Z Z P ] O ` R a e S ` S U ` O T T W b W S R e W b V e ] ` R a Z W Y S S T T S Q b W d S Z g b O Q Y Z S V ] [ ] ^ V ] P W Q P c Z Z g W \ U
related cases and where assets are held abroad. � Y W Z Z b V S [ � O \ R � P ] ] [ P g S P g S � B V W a [ O Y S a W b
] P d W ] c a b V O b b V S ` S � a a b W Z Z [ c Q V e ] ` Y b ] R ] O \ R A ] [ S ^ S ] ^ Z S O ` S U O g b V S 3 R c Q O b W ] \ T ] ` / Z Z
Gabriele may be contacted at
info@gaylawyers.co.uk or ` S W \ T ] ` Q S a b V S T O Q b b V O b Q V O \ U W \ U b V S Z O e W a X c a b Q O [ ^ O W U \ V ] ^ S a b ] S \ a c ` S b V O b S d S ` g ] \ S e V ]
alternatively on 0207 438 2859. b V S P S U W \ \ W \ U Q V O \ U W \ U V S O ` b a O \ R [ W \ R a W a a b W Z Z W a \ � b e W Z Z U S b ] d S ` W b
[ c Q V b ] c U V S `
"
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