Re: Buying with GF about to be made redundant, mort in GF's name, my rights if we spl
You can get your solicitor to specify your ownership rights.
Your solicitor will ask you if you want to be 'joint tenants' or 'tenants in common'. One implies equal ownership, the other you can specify your shares (sorry, I can't remember which is which).
When it comes to paying the mortgage you will both be liable, so yes, if the mortgage is in both your names you should have ownership rights. It's for you and your GF to decide what way it will work and instruct your solicitor accordingly.
Edit: sorry, just reread your post. why won't the bank give you a mortgage in both your names? I know it can be done even if one person is out of work - your means just won't be assessed. Maybe try another bank? I am absolutely positive it can be done with First Active (though their rates and customer service are awful in my opinion, I'd never advise to go with them).