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IF, if you want to be completely sure simply don't get her pregnant while she lives with you, and make sure she keeps working. That way the courts will find she is able to continue to support herself once your relationship breaks down and she will not be seen to be financially dependant on you...

IF, it dosn't sound as though you really love your girlfriend to be moving in together in the first place. If you can't afford the mortgage on your own then get a flatmate. You should want your girlfriend to live with you because you love her and want to spend more time together, not...