Buying a Home Together as a Couple

Jeff Peterson
Jeff Peterson
Published on January 10, 2019

Written By: Natalie Jones

Whether it’s your first time buying a house or
simply your first time buying one as a couple, purchasing a home with your
partner can be unnerving. There are possible complications, and potential
conflicts can arise. However, if you sit down together and plan out your
journey, you have a better chance of the process going smoothly.


This is going to be a stressful time. Buying a
home always is. There are a few ways you can ease tension and prevent arguments.
One way is to make lists. Start by making separate must-have lists, and then compare. Identify
common ground and build from there until you have at least five mutual items.
These will serve as the basis of where to begin your search. The next list you
should make is an organized moving checklist. Assign each individual different
tasks, with deadlines, and know what needs to be done together. If you discuss
this in the beginning, you may be able to limit the amount of stress you
experience as your moving date draws nearer.


If you are buying a home together, it’s time
to get a joint bank account. It does not
need to be either of your primary accounts, but it’s important for
mutual expenses and can assist in budgeting your monthly expenses. You can also
match contributions and verify that you each are putting an equal amount toward
your bills and expenses.

Pick a

When buying a home with your partner or
spouse, you have a few options. You can pick one of you to be the sole owner.
But if you split later on, one of you would have no claim to the property, even
if you had paid for part of the property indirectly. This is usually only a
good option if one of you will be completely financially responsible for the
property. Otherwise, consider joint tenants or tenants in common. Joint tenancy
is a widely used option for couples who will both be contributing to the
purchase of the home. If one of you dies, the other automatically inherits the
other’s portion of the property. However, you might also consider tenants in
common. You both own the property, but the proportions don’t
have to be 50/50. This option transfers ownership of the property to specified
heirs in your individual will. This can be a good option if you have children,
from a previous relationship or together.

Whom to

Buying a home, especially if it is your first
home, can be daunting. However, you want to be choosy about whom you take
advice from. Your parents may seem like the logical choice, as they may have
experience in this area, but too many voices in the decision may actually end
up creating complications. Instead, sit down with a professional broker to discuss your options. They can give
you pertinent advice as they have ample experience in the current industry.
They can help you and your partner find something that you both want, rather
than something that your parents think is best for you.

It may seem intimidating, but working
together, you can accomplish this. While there may be trials and difficulties
ahead, you and your loved one can overcome them. Plan properly, be open, and
overlook no detail, and you will be well set to buy a home.

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