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This is not the board to get personal, so apologies in advance, but:

suppose I sell her half the house... is good, but what would be even better, IMHO, is if you both sell your respective houses and go find a 3rd house to buy together. That would be very clean tax-wise, but the real reason I recommend it is because I know a lot of couples where one moved into the other's house, and the newcomer never really felt at home.

So whereas Phil, in your gf's shoes, wouldn't spend a penny without being on the title first; I, in your gf's shoes, wouldn't move into your house at all.
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