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  1. We had discussed that he would not be selling his house, as he has nearly paid it off, and it would stay in his name only. It could then be income producing if he rents it out. We both thought this was agreeable. I have not ever owned my own place. He wants to pull out crypto because all of the houses he likes are all beyond what we could afford on our salaries alone. I made up a spreadsheet and we could have paid off a 830k loan in less than 10 years, by covering the minimum repayment using my salary and he would withdraw enough crypto over those years to still keep his overall income under a certain threshold for tax purposes in order to make extra payments. This would work out to us both paying around the same into the new house. However, I would have only some left of my salary and he would have all of his so he would have more disposable income than me. It’s all moot now anyway as I’ve driven an hour to my mums and not going back unless it’s to get my stuff or he makes some big changes.


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