Questions To Ask Your Partner Before Buying a House Together


Every adult feels proud when they make a big purchase. It’s like every moment growing up led to that moment.

Buying a house is a major accomplishment, but it takes a great deal of preparation to do so. For people planning to move in with a partner, it’s an even bigger commitment. Before finalizing a purchase, here are the necessary questions to ask your partner before buying a house together.

What Are Your Goals for the Future?

Most people dream about what their future will look like in 5, 10, or even 20 years. As you talk about goals for the future, ensure you and your partner see eye to eye.

Is this the town you want to live in forever? What do your financial goals look like? What are your career goals? Are there any specific goals you would like to achieve together as a couple?

Discussing these topics and others in depth allows you both to gain a better understanding of one another. Buying a house together is a big step. Not every one of your goals needs to be the same, but they should align.

How Much Debt Do You Currently Have?

Conversing about finances isn’t easy. Some people feel offended or shut down. But it’s the tough conversations that are always worth having so you can knowledgeably make a decision as a couple.

Debt is one of those tough conversations. It comes in the form of automotive loans, student loans, health-care bills, and credit card debt. Everyone has different amounts of debt that requires them to make payments each month. Knowing about your partner’s current debt will prepare you for buying a house.

What Can You Afford Each Month?

Mortgage loans are the money you receive from a lender to pay for your house. Over time, you will pay the money back to the lender with interest. There are several pros and cons of both 15-year and 30-year mortgages. Each month, you’ll have a required payment to the lender.

Your financial circumstances may differ. Some couples prefer 15-year mortgages because it has a shorter payment time with larger payments each month. Others enjoy the lower monthly payments that come with 30-year mortgages.

Understanding what you and your partner can afford each month is essential to making this decision. It will establish a budget for the home you can buy, and you’ll also have a clear awareness of the financial situation as a couple.

What Are Some Must-Have Features in a House?

Questions about finances are the most important to ask your partner before buying a house together. However, you also want to find common ground when deciding on the type of house you’re searching for.

For those who want a fixer-upper, you’ll need to communicate about the level of repair you’re willing to take on. From there, you’ll discuss how to find a contractor for renovations so you can effectively finish the job.

On the other hand, perhaps you’re looking for a move-in ready home that’s cozy and easy to maintain on a tight budget. Sit down together and have a courageous conversation. You’ll discover more about your partner and find the best way to navigate purchasing your first home together.

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