the soliciter you use to do the house buy will be able to write you up a contract explaining al this in legalese

the only thing then will be some sort of settlement if she's been paying the bills etc

i had this problem when i had to use my brothers name to get a mortgage, i pay th ebills and the general running of the house as wll as the £100k deposit and all sorts, but he will, during the tiem of the mortgage, put in his share over time, which will reduce the cost of the mortgage as he'll be putting in £10k a year to make up the difference

it's very techincally detailsed about who would get what and what % would be based on how much each had put in etc, etc were we ever to have a falling out but it's worth investigating this very very thouroughly as there was a point in it where i was asked if i would subsidise his rent because he's not living there but is still paying towards the cost of the mortage

on the flip side, my dad has it put into his will that, as long as the agreements are kept as they are on the contract, my brother and me will get an equal 50% share upon his passing, otherwise, any outstanding moneies oweing on the house will be settled first, before there is a 50% split of the remainder of his estate

so there is lots and lots of forms to fill in and contracts to writeup, and we are family by blood and it's only 3 of us, if it's a wife you are thinking of bearing your kids, then it gets even more complicated