I live with my partner – what should we do financially and legally?

We’ve been together for nearly 10 years, have a child and don’t want to get marriedEvery week a Guardian Money reader submits a question, and it’s up to you to help him or her out – a selection of the best answers will appear in next Saturday’s paper.My partner and I have been together for nearly 10 years, and have one child. We live in a heavily mortgaged house. But we’ve never married, and don’t want to. Aside from organising a will, is there anything