Yes, by "deal breaker" I meant I would end the relationship. But that''s just me, and I''m in the early stages of divorce so can''t ever see myself living with another man let alone trusting that he wouldn''t change beyond recognition like the man I married did and see me out on the streets. So, I''m bitter and cynical and not the best person to advise on whether you let this go or not.
Just bumping this for you , as I know nothing about co-habitation agreements.
A cohabitation agreement would help. It would allow you to foramlly record his postion - what does he mean when he says you''d never be on the streets? A cohabitation agreement could record that in the event of a separation, you would receive a lump sum (either calculated as a % of the value of the house, or as a sum sufficient to put down a depoist and rent for the a set period, or whatever)
Or it could recordthat in the event of a separation you and child could remain in the hosue, and define who would be responsible for paying the outgoigns in those circumstnaces.
It is possible to have a trust deed which edefines your shares in the house. This would allow you, for instance ,to have an agreement which reflected any initial deposit he paid, or the amount of equity in the house when you moved in, and provide for any balance to be split.
At present, if you did separate, you would have no automatic claims other than for child support via the CSA, although if he has made promises about you having somewhere to live this is potentially relevent.
If he is saying that you''ll never separate, then great - he''ll have no objections to putting something formal together to protect you both, and to give you that reassurance.
Be aware also that as you are not married, you are also vulnerable if he were to die - has he made a will?
Thank you to those of you who have replied to my post, certainly has given me food for thought and I''m not willing to let this situation just simply lie. Unfortunately I''m too trusting in some respects but in my mind whilst that may be acceptable if we were a lone couple it no longer is, we have a child. Thanks all again, all the best to you.