Please could I talk to someone about my situation? My partner (26F) and I (23M) currently rent together and I’d like to get onto the property ladder. We’ve been together for over 3 years but our relationship has been pretty rocky for the last year so I don’t feel comfortable entering a joint mortgage with her, but I still want us to live together.

Is it unreasonable to be in a situation where the mortgage is only under my name and she pays me a proportion of the cost as ‘rent’? I’d hope that further down the line we could build trust and enter into a joint mortgage, but I’m not ready for that yet and I need to get out of renting.

Any advice would be appreciated

Edit: thank you for everyone’s advice. I’m leaning towards the idea of her not paying anything towards the mortgage at all, until we can remortgage together and get a joint one. I might ask her if she’d be willing to pay the utility bills to help out, and sign a cohabitation agreement to state that she doesn’t have any financial interest in the property to avoid messiness