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While the situation is complicated it’s easy to correlate the info as it only really covers 2 years of one person selling property A and buying property B and both living in the other persons property C while B is renovated.
Then selling property C and putting the proceeds towards property B and just about halving the total mortgage amount.
There are differences in values and equity and while there will be one share bigger than the other neither of us is of the mindset to work out exactly how to come up with a number.
There’s probably different ways of working it out too.
At the moment I’m technically just a lodger but we will have the new mortgage in both our names once new one is taken out after selling property C.
We are not married FWIW.
Mr_Smyth-
If it were me (doing it personally rather than professionally) I'd just plug in some very rough figures of cash in to the property (ignoring whether it was interest or equity, it is all money you've spent) and get a rough figure out. Maybe adjust for what was spent on C whilst both living there. Do you really care if it isn't perfect if you can agree on a figure?
Admittedly what I did, even though the amount of equity we put in was hugely different, was go in as joint tenants so we had equal shares. Not married but we do have a kid which was the main reason behind that decision.
aggi
Are you joint tenants or tenants in common?
If it's the former you've got equal rights to the property.
If you want to work out a percentage then you may want to speak to an accountant. There's not going to be a definitive answer as there are going to assumptions around the value of earlier payments compared to later ones, etc. If you don't have good records they may also need to go through bank statements, mortgage statements, etc to come up with the figures.
Or, you can both just agree a figure that feels right and go with that.