So with the interest rates biting on mortgages, my partner who owns an apartment is going to move into my house and rent hers out.

To help reduce my costs she is going to contribute to my household expenses. We are both just thinking about the best way to do this. We both want to protect our assets incase the relationship doesn't work out but don't really have the $$ to go see a lawyer to do a ?Pre-nup (not sure if this is even the right tool for a non married relationship).

If she pays me rent, my thinking is that, 1) I'll pay tax on it 2) does it change my PPOR status and impact my CGT if I sell in next 5/6 years. 3) it might impact my rates

If she pays for utilities (rather than rent), 1) potentially after 1 year she has a claim on my assets and I on hers (neither of us want this currently) 2) more $ stays with us rather than taxman

Short of seeing a lawyer, does anyone have any advice or other options?

If I made a RTA rent agreement for $1/month and she gave me rest for utilities would that help??