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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To not want to live in deceased MIL's house?

158 replies

DesTeeny · 18/06/2024 19:17

Very long story short, but MIL was very unpleasant to me whilst alive (she has recently died, and FIL died many years ago). We are very fortunate that MIL has left us her house, and DH wants to move in.

I really don't want to, I have nothing but upsetting memories there, especially of MIL being very threatening towards me, but DH is saying it's his family home and he doesn't want to sell it, he wants to live there and will not be swayed. He lived there from age 5-25, when he moved into our current home.

We'd 'gain' nothing by moving there, it's almost exactly the same as our current home (which is too small for us) and is less than 500 yards away from our house. Granted there is a downstairs toilet, but we'd lose a driveway and have to park on the (very busy) road.

AIBU to stand my ground a bit and ask that we buy a house together that is our family home, rather than moving into his mother's (we will have enough money to buy a much larger house, and still put money aside for our children)? I moved into his home before this (gave him some money to make it equal), and have never chosen my own home. I'd like us to find a family home together that is better suited to our needs rather than trying to shoehorn our family into a house which is no bigger, no better, than the one we have currently.

YABU - Let him live in his family home
YANBU - You deserve to find your own family's home

OP posts:
HoarseSoprano · 19/06/2024 18:48

Despair1 · 19/06/2024 18:14

Very harsh and insensitive approach!

What do you suggest? The OP meekly go and live in a house that, quite apart from its unpleasant associations, simply doesn’t meet their family’s needs? The OP apologise profoundly for not prioritising his childhood attachment over what they need? I mean, who needs enough room and off street parking, right?

Aquamarine1029 · 19/06/2024 18:45

Despair1 · 19/06/2024 18:14

Very harsh and insensitive approach!

I'm sure you mean the husband, correct? Because he is the person in this scenario who is telling his wife she doesn't have a choice as to where she lives and that her feelings on the matter will not be taken into consideration. He will make the decision and that's final, apparently. The only person being insensitive is him.

Despair1 · 19/06/2024 18:14

Aquamarine1029 · 18/06/2024 22:29

Stand your ground and absolutely refuse. Your husband can't just dictate every fucking thing about your lives, and the home you decide to live in is right at the top of the list. Nevermind the fact of no driveway on a busy road. Tell him it's not happening, so he can just deal with it.

Very harsh and insensitive approach!

Puzzledandpissedoff · 19/06/2024 16:50

I don't think we're going to rent it out regardless of what happens. We both have stressful jobs, don't need to he landlords on top of that

That's understandable, OP, but do be aware of the maintenance that'll be needed if any sale is delayed while your DH comes to terms with this ... especially so if the place wasn't terribly well maintained when MIL was alive

Empty houses can deteriorate surprisingly fast, and it wouldn't surprise me to learn that DH is insisting "Why let it go to rack and ruin when we could be living there?" Sad

BuggeryBumFlaps · 19/06/2024 16:01

I'd remain sympathetic towards him, but I'd not move in either. Don't move in just to 'try' it either, you'll never get out again and it
Will turn into an even bigger battle.

Tell him you'll discuss it with him once probate etc has all been completed and only them will you sit down and have a proper conversation with him.

Maybe start your look at what you 'could' buy of you sold both houses. He might like what he sees and start to think doffeeently.

sparkleowl · 19/06/2024 15:41

somethingwickedlivesnextdoor · 18/06/2024 19:31

Yanbu. I can empathise with all your reasons for not moving in to their house. Search for your own and love it 😊

This

DesTeeny · 19/06/2024 15:36

Abitorangelooking · 19/06/2024 14:55

If your FIL left everything to your MIL (assuming they were married) then she would have a double tax allowance £650k. If he left money to other people then you take that off so for example he gave £100k to his sister then it’d reduce to a £550k allowance

They were married, and he did leave (almost) everything to her. I think he left a small amount to his sister but I'm pretty sure his will stipulated that most everything went to MIL if he pre-deceased her, which sadly he did. Thank you for the explanation.

OP posts:
MissMoneyFairy · 19/06/2024 15:25

She's only just died, has her house even been cleared at all, hes grieving and reliving memories of his childhood home. l wouldn't push him either way, maybe spend a few nights at mums house, go through photos, it doesn't need to happen straightaway.

VictoriaEra2 · 19/06/2024 15:18

Definitely trust your own instincts. I didn’t. I allowed myself to be persuaded and that house never felt like mine. Other relatives were super twitchy too if I ever moved anything around.
We are divorced now.

pigsDOfly · 19/06/2024 15:12

Well it isn't his family home any more is it. His family home is the home he shares with you and your children.

He's clearly not in a logical frame of mind at the moment and is completely disregarding your opinions and wishes, as pps say, these kind of decisions are not to be made under such circumstances.

Pp suggested moving into MIL's house but completely redecorating it. Tbh I suspect he would want to preserve the house exactly as MIL left it. So not only would you be moving into a house that has bad memories for you but you'd also be stuck with all her old stuff around you.

You really need to dig your heels in over this.

You are also absolutely right about not giving up a house with a drive for parking on a busy road.

One of the main reasons I moved from a house I had several years ago was because I had to park on a busy road. I would often end up parked up to four streets away from my house as it was all that was available. The relief when I moved to a house with its own drive was enormous.

Agree with pps, sell both houses and buy something that gives you more room, and has its own drive.

Unexpectedlysinglemum · 19/06/2024 15:00

Absolutely no way will you live there. He can go and live there if he wants.

If he really doesn't want to sell it then you could remortgage it on a buy to let mortgage to raise funds and then use these funds and the equity in your current home to pay for your next family home. Then he gets to hang onto the house for the memories and it can go to his kids.

You'll have to pay higher stamp duty unless you gift it to your kids.

KimberleyClark · 19/06/2024 14:57

YANBU. In that situation I’d never feel that it was really my home.

Abitorangelooking · 19/06/2024 14:55

DesTeeny · 19/06/2024 14:45

The lady we've spoken to literally does probate for her job, maybe I misunderstood what she said, but she's said she doesn't think there's inheritance tax to pay because MIL was a widower so the threshold was increased? We need to send her the full details to be sure so she can complete all the paperwork etc. for us.

I don't think we're going to rent it out regardless of what happens. We both have stressful jobs, don't need to he landlords on top of that.

If your FIL left everything to your MIL (assuming they were married) then she would have a double tax allowance £650k. If he left money to other people then you take that off so for example he gave £100k to his sister then it’d reduce to a £550k allowance

Abitorangelooking · 19/06/2024 14:48

I’m with you. I’d sell both houses and find the right home for your family.

DesTeeny · 19/06/2024 14:45

gardenmusic · 19/06/2024 13:11

If you are in England, it does not have any allowances for an only child. He may not have to pay because of value.
You need to speak to someone with more knowledge of probate!
See below - not asking for details, just for you to think about.

There’s normally no Inheritance Tax to pay if either:

  • the value of your estate is below the £325,000 threshold
  • you leave everything above the £325,000 threshold to your spouse, civil partner, a charity or a community amateur sports club

The lady we've spoken to literally does probate for her job, maybe I misunderstood what she said, but she's said she doesn't think there's inheritance tax to pay because MIL was a widower so the threshold was increased? We need to send her the full details to be sure so she can complete all the paperwork etc. for us.

I don't think we're going to rent it out regardless of what happens. We both have stressful jobs, don't need to he landlords on top of that.

OP posts:
gardenmusic · 19/06/2024 13:19

Actually, taking the emotion out of this, you may be better off moving the thread to Legal.
Advice such as letting the property while you decide has tax implications.
When you consider your options, you will need to know the legal and tax implications.

gardenmusic · 19/06/2024 13:11

If you are in England, it does not have any allowances for an only child. He may not have to pay because of value.
You need to speak to someone with more knowledge of probate!
See below - not asking for details, just for you to think about.

There’s normally no Inheritance Tax to pay if either:

  • the value of your estate is below the £325,000 threshold
  • you leave everything above the £325,000 threshold to your spouse, civil partner, a charity or a community amateur sports club

How to value an estate for Inheritance Tax and report its value

Value the estate of someone who's died so that you can get probate: work out if tax is due, check how to report the estate's value, complete the correct form.

https://www.gov.uk/valuing-estate-of-someone-who-died

DesTeeny · 19/06/2024 12:38

gardenmusic · 19/06/2024 11:34

Is there inheritance tax to pay? Not asking for details, but if so, how will it be paid? Normally through the sale of the inherited house, unless M in Law left enough money to cover?

Is he presuming you will sell your current house and use the funds to pay inheritance tax on his inheritance?

Will it come from joint savings?

Not sure about your stamp duty requirements. Do you pay that on an inherited house if you put into your names?

We've spoken to someone who does probate and seems to think we might just miss the threshold because DH is an only child and the house is being passed to him? If there is any to pay, she had enough cash savings to pay any, unless the bill is enormous for some reason. No idea about stamp duty.

OP posts:
Nannydoodles · 19/06/2024 12:15

I would suggest that you agree nothing for a year but maybe rent it out if possible on a short term rental.
In that year you can gently suggest the benefits of selling both and moving into a larger more suitable home for you all.
Its probably far too soon for him to be able to let go of his memories, he needs time to grieve and for any guilt he may feel (I had it after my Mum died about things that could have been done differently) to go and then he may feel differently about a fresh start.

hastalav · 19/06/2024 12:12

If this is not mutually sorted and agreed (to NOT move there for all the practical and other reasons mentioned) then I get the feeling that the marriage will suffer, maybe even end.

Brace yourself for that one, and sorry for being so dramatic.

Sossijiz · 19/06/2024 12:06

Very few of us live in our childhood home as adults, it is in no way necessary and your husband's obsession with doing so is downright unhealthy. Time for him to grow up and put away childish things.

GasPanic · 19/06/2024 12:02

It sounds like moving into her house would be a move sideways rather than a move forwards.

Is there any point in that ?

Like the pp, I would wait for a bit. In time your DH might realise it is not a sensible move.

CheeseCakeSunflowers · 19/06/2024 11:34

I agree that moving into the house would be the wrong thing to do but as you say the bereavement is recent I have some sympathy with your DH. I'm guessing his emotions are all over the place at the moment and the idea of selling what has been his family's home is probably more than he can cope with now. I suggest giving him time to work through his grief, help him clear the house, this often takes some time and probate will also take a while. Its recommended that you give it 12 months after someone dies before making any big decisions so maybe keep repeating that for now. If after that time he still can't bear to let it go then you could suggest he lets it.

gardenmusic · 19/06/2024 11:34

Is there inheritance tax to pay? Not asking for details, but if so, how will it be paid? Normally through the sale of the inherited house, unless M in Law left enough money to cover?

Is he presuming you will sell your current house and use the funds to pay inheritance tax on his inheritance?

Will it come from joint savings?

Not sure about your stamp duty requirements. Do you pay that on an inherited house if you put into your names?

LakeTiticaca · 19/06/2024 10:51

Repeat after me, do NOT give up a house with offroad parking.
One of our neighbours did this, left a house with parking for 3 cars and moved into one with street parking only. They've done nothing but moan about it ever since, despite the pitfalls being pointed out on many occasions. Best way forward is to sell both houses and buy a nice one without the spectre of your dead MIL around it