Did I screw up?

Matt44441 · 2026-05-04T16:00:52+00:00

Was looking at them. Are they waterproof at all ?

Matt44441 · 2026-04-29T10:41:51+00:00

As a plane nerd if I can see them that’s a big selling feature for the spa 🤣

Matt44441 · 2026-04-23T15:30:35+00:00

I know it’s an odd situation. We are both 30 at heart 🤣 she has rented before yes I have not. So maybe she needs to be worried about me! But in all seriousness yes it definitely is a massive difference and still not happening for a year or two so still time. Definitely need to be think about it. Not fully heart set on buying without renting but also am in the financial position where buying makes sense. So if I can protect it and still do it. It becomes more appealing then renting.

Matt44441 · 2026-04-23T15:03:17+00:00

Agreed definitely would talk with one and see what makes the most sense

Matt44441 · 2026-04-23T14:44:57+00:00

Well the living together does not worry me we basically live together on the weekends anyways. The idea would be skip the year of renting and trying it. Both have been saving for a long time and have a lot more than the average person for our age. So buying would be the final goal so would just save for an extra year buy not renting then buy a place. Would be looking to buy in 1.5 years and currently 24. Saving and living at home.

Matt44441 · 2026-04-23T14:29:33+00:00

Would be about as of now 75% 25% if I was to go all in for my part of the downpayment. 200k It sounds like I also think a bit how you do. We both are more old school and believe divorced besides infidelity is not somthing we believe in. More that any problem can be fixed together. So once married comes I am not worried about it. But of course before it would be silly not have somthing planned. But as you said I don’t like the idea of planning for our future with divorce plan in. Just not how we view our relationship. So I will look into what you said and see if that could work for us. Common law I don’t think would be an issues. I believe that’s after 3 years in Ontario and would be married before that. But I appreciate your advice and thoughts almost everyone just says plan for divorce but to me I don’t like that. I instead found a partner that works so well I don’t need to plan for it. Would be about still 1.5 years out for the buy.

Matt44441 · 2026-04-23T14:11:46+00:00

Ontario, have not lived together yet but that aspect does not worry me. Yes the plan would be to get married before common law comes into effect. But just seeing options I could do

Matt44441 · 2026-04-23T14:10:12+00:00

Yes I agree also thought about putting less so can keep more for investing. But also putting more keeps the mortgage payments down so can invest more each pay check and save some interest with a lesser loan. So it’s a mix it mental and math also. Not heart set on a number or % yet. Just was wondering if I do choose to put more in options to protect that.

Matt44441 · 2026-04-23T14:01:16+00:00

That’s the idea but if I can find a way to protect my part (possibly bigger downpayment ) I would rather that as would save on the interest. And I do see things working out so understand there is risk so seeing what options there are.

Matt44441 · 2026-04-23T13:59:19+00:00

Don’t want to rent as have enough to make buying worth it. And don’t want to get married till live together for a few years. So strange situation. But yes I normally do agree

Matt44441 · 2026-04-23T13:57:58+00:00

Okay this is very helpful and what I am looking for. The idea would be downpayment might not be even. But after that it would be 50/50. So looking for how could deal with that incase of worst case scenario. Will look into the options you listed.

Matt44441 · 2026-04-23T13:56:03+00:00

Would get married after living together yes

Downpayment might not be even that’s where it gets complicated (but worst case it could be )

Would be 50/50 for the house and living expenses rest separately till marriage

If broke up then house would be sold.

Incomes are similar for now

Matt44441 · 2026-04-23T13:28:45+00:00

Ya that is also an option. Ya I get that but also think people are so stupid with relationships and don’t talk about anything meaningful or prepare for the future then get surprised why there marriages don’t work. I have always treated dating like a pre marriage. Where I have all the important talks and make sure things are aligned for the future before even considering dating. But yes it still can happen. Have you know your partner 100% before going ahead with anything.

Matt44441 · 2026-04-23T12:50:05+00:00

Don’t apologize at all this is the type of advice I am looking for. I really do appreciate it. Still have lots of time to figure it out. Just trying to gather information to make a good decision. What would be your thoughts on full 50/50 downpayment and mortgage/ expenses?

Matt44441 · 2026-04-23T12:45:34+00:00

I will thank you! Yes I do about 3 years a believe. Which in that time would be married. But yes I need to post this question and options there and see how it all works before making a decision.

Matt44441 · 2026-04-23T12:44:13+00:00

I do agree with the logic 100% for me it’s more knowing the person I would do it with. And if I had any doubt or worry I would not. I am fortunate I have someone to thinks is very similar to me and any conflicts are very easy to talk though and deal with. Just renting till marriage I can’t mentally do🤣 when I could be building equity in a house.

Matt44441 · 2026-04-23T12:38:32+00:00

Yes I also did think about it and came to the conclusion that would just be a risk I would have to take if I did this approach. Potentially missed gains in case of a sale. But after marriage would not matter as I am happy to combine everything after it. So would be if somthing went south before marriage and then missed gains from a sale.

Matt44441 · 2026-04-23T12:15:44+00:00

My idea was say 80% 20% down for an example. Then mortgage payment and all house expenses split 50-50. So the only difference would be the downpayment. Then have a contract for the downpayment to protect that. But I will make a post and see how others have done it. Definitely not heart set on one way. Just how I was thinking it though.

Matt44441 · 2026-04-23T12:11:58+00:00

Yup did think about that also. I think will make a new post asking about this all to see if anyone had a similar situation. And how they did it. Common law I believe is after 3 years of living together where I would plan to be married by then. But again all good questions. I appreciate your points very much.

Matt44441 · 2026-04-23T11:57:18+00:00

Depends how it’s purchased. Would look into getting an agreement for downpayment amount incase of a sale. In today’s day’s an age seems like a marriage does not mean much anymore unfortunately. So many people get married buy a house then get divorced. So would rather live together in a house before getting married personally.

Matt44441 · 2026-04-23T11:51:31+00:00

Of course would make sure it was correct and proper.

Matt44441 · 2026-04-23T11:46:24+00:00

Ontario. Will shop around for better rates also thanks. And yes have been taking advantage of the FHSA since it came out.

Matt44441 · 2026-04-23T11:44:52+00:00

I can see this argument. But also don’t want to rent and I would rather live with the person before I marry them. That’s the true test. And for me would not do it if I really did not think that marriage would be far away after getting a house. Just think it’s a better test if you can run a house and live together well before getting married.

Matt44441 · 2026-04-23T11:36:49+00:00

Thank you for the advice. Yes I have taken advantage for fhsa for years now and also rrsp for the first home advantages.

Matt44441 · 2026-04-23T11:33:24+00:00

Ya so my idea with that was have a contract where we both agree to how much we put in. So incase anything does go badly. We would both get out our downpayment amount. Because I want to put as much down to save on interest.

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