I paid $600,000 for a house, and my fiancée paid $200,000. I put her name on the deed, but my lawyer says I should own 75%. How can I fix this?

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I paid $600,000 for a house, and my fiancée paid $200,000. I put her name on the deed, but my lawyer says I should own 75%. How can I fix this?
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I'm 62 and about to remarry. My lawyer recommended a prenup and a 75/25 split be recognized in an amended title, prenup and will, so I can leave a 75% interest to my children, but my fiancée insists that we remain 50/50. What should I do Moneyist?

I am 62 and about to remarry. I have significant assets. My attorney recommended a prenuptial agreement to my fiancée and has offered sound estate-planning advice. I recently purchased a house and placed my fiancée, 56, on the title as joint owner with rights of survivorship. I put $600,000 down with mortgage worth approximately $200,000, which my fiancée paid off.

You are asking your fiancée to swap 50% ownership with rights of survivorship for a 25% stake as tenants in common — where each party does not automatically inherit their spouse’s share. I believe your suggestion is more equitable, but given that you signed on the dotted line I can see why your girlfriend is refusing to budge.

But marriage is a business contract, as well as a romantic commitment. You have essentially gifted your fiancée $200,000 free and clear, taking into account the $200,000 she contributed toward the cost of the house. As your attorney pointed out, you have contributed more than 75% of the overall cost for a 50% share.

I agree with your attorney on two fronts. You have two pieces of leverage: the prenuptial agreement, and the marriage itself. You should not get married without a prenuptial agreement, and holding off on the marriage until you renegotiate the title deed of your house may be enough to force your fiancée’s hand.

On the upside, if you do manage to negotiate a way forward that satisfies both parties, it’s a good exercise for navigating the rest of your marriage.

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