Ever lived with an ex? One in six have thanks to finance woes or problems finding somewhere to move to
- Estimated that 4% are currently living with an ex-partner
- Most delay moving out as they attempt to find somewhere else to live
- Items are far more likely to be damaged with this stressful living arrangement
Have you ever had to live with your partner following a break-up?
It’s the harsh reality for many people, with new research suggesting 17 per cent, one in six, have lived with an ex-partner, and of these, 4 per cent – or one in 25 – are still doing so.
Financial pressures often mean that these people cannot afford to get up and leave when they first separate.
Instead, mortgage payment and rental contract commitments mean they need to stay put and work out their finances – or risk losing their home.
Ex vex: Research suggests there are a number of Britons currently living with their ex-partner
On average, it takes four months before they can either afford to leave, or are contractually able to move to a new home.
The main cause for a delay in moving out after a relationship ends is the time it takes to organise somewhere else to live.
This was the case for 28 per cent of 2,003 respondents who have lived with an ex-partner, according to the survey carried out in July this year by insurer Direct Line.
It is followed by finance for 16 per cent of former couples, who said it was because neither could afford to buy the other out or because they couldn’t afford to live on their own.
And 13 per cent stayed living together as they had children and thought it would be best for them to live within the family home.
However, even living together after a break-up can be costly, especially if the situation is not amicable.
A total of 42 per cent of those who lived with an ex said an item was broken in the time following the break-up.
Number of items damaged while people remain living with an ex following a break-up
Portable technology items such as iPads and laptops have taken the brunt of the damage, followed by furniture and tableware, such as plates, cups and bowls.
These so-called accidents don’t come cheap, costing £218 on average to repair or replace the item.
The most expensive items are portable technology items and kitchen appliances, each costing £240 per item.
Living in such an acrimonious environment seems to bring out the worst in people, as many people believe their partner stole an item of theirs after the relationship ended, according to the research.
A total of 57 per cent claimed this was the case when they moved out, with 42 per cent actually admitting that they had indeed stole something from their ex-partner.
Dan Simson, head of home insurance at Direct Line, said: ‘For many, it would be extremely difficult to carry on living with an ex after breaking up.
‘Unfortunately, while people may have good intentions about keeping things amicable at home, it seems it is often not realistic and can result in an uncomfortable living environment.’
Mark Harris, of mortgage broker SPF Private Clients, said: ‘Breaking up is hard to do – and that’s particularly the case when it comes to separating a couple’s finances.
‘With both parties to a mortgage being joint and severally liable, if one person wants to move out and no longer have responsibility for the mortgage, the other person must demonstrate that they can afford the monthly payments on their own.
‘With many people taking the biggest mortgage they can in the first place in order to afford their property, this can make it even harder for one partner to take on the mortgage on a single income.’
He added: ‘It is a similar situation if a couple are renting – the landlord or managing agent will want to run a credit check to ensure the remaining partner can afford the rent on their own.
‘This may not be something that can happen overnight but require some juggling of finances.’
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