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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Inheritance issue

137 replies

MountainMomma26 · 29/01/2025 01:11

My DH and I have 3 kids 2 boys and a girl aged under 11

We own a farm- 50% is in my name. This was done at the purchase mainly to save money.

DH also expects to inherit land from his elderly father. Please don’t think this is a situation where we are being greedy - rubbing our hands waiting for someone to pass away. This has never been discussed before and only arose today as we had a meeting with our accountant to finalise this years accounts and my husband wanted to discuss the new tax regulations coming in regarding farmers and inheritance.

Neither of us have made wills. During the course of the conversation DH discussed with the accountant how he would be making his will leaving everything to our sons. I had assumed if he was to pass before me I would be his benefactor and he would be mine if I go first and then upon either of our deaths it would pass to our children. This is what my father had done.

AIBU to be a bit annoyed by this it feels like DH doesn’t trust me/is putting me in a vulnerable position where my child would own the house annd property I live in? I feel this is dangerous as my children are lovely but unfortunately no one knows what way they’ll turn out - we have young extended family members with serious mental or addiction issues so he should know now that this is always a possibility.. I’m also pissed off that my daughter was not mentioned in the conversation. She is her dad’s right hand person. They’re very close. She loves animals and is a hard worker yet she doesn’t seem to come into consideration.

AIBU to be annoyed?

OP posts:
Hoppingabout · 29/01/2025 09:07

Velvian · 29/01/2025 08:58

The APR will have to be forfeited if the DH will not protect OP's interest in the property and treat his daughter fairly. OP should be prepared to use that leverage, as her husband does not have her best interests in mind.

They do share the kids though so will want to ensure that they have an inheritance left. It's not a zero-sum game. If they both take proper legal advice and use trusts the survivor will be able to carry on with the farm and living in the house after the death of the first to die. It applies just as much to him as the OP as she owns half herself. Also a spouse has more rights re inheritance (if this went to court) than kids and a properly drafted Will would take this into account so the OP will be fine.

OP...Professional legal advice rather than the court of mumsnet is what I'd suggest!

Swonderful · 29/01/2025 09:07

You need to both see an experienced solicitor as there are loads of ways to structure this and lots of potential pitfalls for iht.

On the flip side to most of the comments, I've known farming families where everything is divided equally. The business is too small to support 3 families and everything ends up being sold. No more farm for anyone!

However, it's too early to know who will take an interest in running the farm - it could be well be your daughter.

middleagedandinarage · 29/01/2025 09:04

YANBU OP. Coming from someone who is the daughter in this situation and who also has a DH who's farm is all about his family and doesn't seem to think his wife and kids matter. It's hard! What do you intend to do with what you will inherit now? I would say to your DH, so should I leave everything of mine to DD or what will she get?

JudgeMenthol · 29/01/2025 09:03

I would be checking that I did actually still own 50%, and he hasn't sneakily signed it all back to himself.
I wouldn't be trying to change his mind - he could tell you he had amended his Will to split everything equally between the 3 kids, and then get you to do the same, and then he could alter his Will again to favour just your sons.
There are positive and negatives to leaving you out of the Will, but leaving your daughter out, and telling you it was nothing to do with you, would be a deal breaker for me - you need to get some legal advice about your position within the farm.

Velvian · 29/01/2025 08:58

Hoppingabout · 29/01/2025 08:50

The house will need to go with the land to get APR so it will depend how things are divided up.

The APR will have to be forfeited if the DH will not protect OP's interest in the property and treat his daughter fairly. OP should be prepared to use that leverage, as her husband does not have her best interests in mind.

TheignT · 29/01/2025 08:57

MountainMomma26 · 29/01/2025 01:18

They are. I’m just shocked at his intentions.

You could leave your half to her.

Applesandpears58 · 29/01/2025 08:50

This is so sad to read, I am a farmers daughter and I have a sister, no brothers. I’m in my 30’s and now work on the farm full time with my dad. He doesn’t care whether he had sons or daughters, I think he’s just happy one of us wants to carry on the farm. At your children’s age it really is too young to tell, we are now in 2025 and there’s so many more women in agriculture. Would it not be better to split it 3 ways at the moment, then in 10/15 years time (hoping you will still be here) you will have more of an idea who is interested in the farm and can rewrite the will accordingly. To completely dismiss your daughter is completely unacceptable, she may be the one who wants to farm, and the boys may not have interest. On the whole this industry is very accepting of women and I do believe in the last 20 years it has made huge strides, but it is still a male dominated industry and I do very occasionally do experience misogyny. People like your husband are holding the industry back.

Hoppingabout · 29/01/2025 08:50

Velvian · 29/01/2025 08:47

I know what mean in principal. However, unlike a divorce, 1 spouse can have all assets in their own name and, on death, the other spouse can be left with nothing to show for their decades of contribution.

I also have a sneaking suspicion, reading between the lines, the the DH sees the house as 100% his and there may have been an 'agreement' that OP will hand over her interest in the property (as he was unable to buy it on his own).

The house will need to go with the land to get APR so it will depend how things are divided up.

Velvian · 29/01/2025 08:47

housethatbuiltme · 29/01/2025 08:42

I fully believe parents should leave things to their kids over partner. At the end of the day its just true fact that you could decide to remarry etc... and then lose it all losing his lifes legacy for his kids in the process.

I would be royally pissed at DD being left out though, as the child of a sexist who grew up 'not being good enough due to lacking a penis' thats a level of sexist ick I could not get over.

I know what mean in principal. However, unlike a divorce, 1 spouse can have all assets in their own name and, on death, the other spouse can be left with nothing to show for their decades of contribution.

I also have a sneaking suspicion, reading between the lines, the the DH sees the house as 100% his and there may have been an 'agreement' that OP will hand over her interest in the property (as he was unable to buy it on his own).

WhitegreeNcandle · 29/01/2025 08:45

Actually, I’ve re read your post and you say you have 3 kids together under 11.

im a farmer and we have it set up to go into a trust to pay for their needs and education till 25 then if no one wants to farm it’ll be sold and proceeds divided equally. They are teenagers now and one is showing a clear instinct to farm over the other. We will consider changing the will to reflect that once the school years are over. The other child will be left cash or property. It won’t be as valuable as the farm but they also won’t have the debt or stress!!

Hoppingabout · 29/01/2025 08:44

If you are in the UK he might be doing it for tax reasons. The new IHT rules means that, to get both £1million APR allowances you need to give away a share of a farm on first death to your kids. The reason you need to do that is that APR isnot transferrable between you. You both need to think about that as it would apply to you too. You could use a trust to ensure that the assets are protected and not sold from under you (and if your kids are under 18. It also gives time to decide which child gets the farm so you avoid proliferation of owners). Take legal advice although you may need to again once the tax rules become clear. Unfortunately the budget has probably meant the end of the traditional "family farm" as to prevent this faffing about each generation of getting APR allowances, the farms should probably be in trust. Alternatively you both give the farm to your kids in due course (whichever one wants to farm) in your lifetimes and live for 7 years. Often a farm goes to one child and a life insurance policy to another. There's actually a special one for farms.

It is rubbish.

housethatbuiltme · 29/01/2025 08:42

I fully believe parents should leave things to their kids over partner. At the end of the day its just true fact that you could decide to remarry etc... and then lose it all losing his lifes legacy for his kids in the process.

I would be royally pissed at DD being left out though, as the child of a sexist who grew up 'not being good enough due to lacking a penis' thats a level of sexist ick I could not get over.

Gagagardener · 29/01/2025 08:40

@MountainMomma26 Farming = special case. Get advice from someone who specialises in land, inheritance and trusts. Not from an accountant. And talk through what you want for each child.

(My farming father left a sum of cash to each daughter, the farm to the eldest son who took on the farm and a field apiece to the others to acknowledge their input as boys. The cash was welcome, though now long spent - neither my sister nor I wished to farm, and we had been put in the way of supporting ourselves; ownership of the fields continues to be an unremunerative nuisance.)

TinkyBella · 29/01/2025 08:37

WhereIsMyLight · 29/01/2025 01:32

With a house you could pass your house to your child and give your spouse or partner a lifetime interest in the property. In that case, you would remain there until you died or wished to sell but on selling your spouse’s 50% would pass to your children and you can only use your 50% for your onward move. I don’t know if the same applies to agricultural land but as inheritance tax is still being worked out for farms, I don’t think there is a clear answer on the most tax efficient way yet and whether you can do lifetime interests.

However, only leaving to your sons and telling you it’s none of your business when it’s 50% yours is misogynistic. Whether you can live like that is up to you. However, I would be making my will to my daughter and I would be telling my sons it’s not that you don’t love them but their dad has decided their sister shouldn’t inherit because she’s a girl and therefore you need to protect her.

This.
I would definitely be looking for a lifetimes interest and leaving your 50% to your daughter. If he won’t agree the life times interest, then I’d wait until he inherits and then divorce him.

theressomanytinafeysicouldbe · 29/01/2025 08:36

Maybe its miscommunication. Have you spoken about this.

Maybe he is thinking he will leave his 50% and land to the boys and you will leave your 50% to your daughter - you said she is his right hand. She would get a larger share in the farm but none of the additional land which your FIL is leaving him.

Horserider5678 · 29/01/2025 08:30

Vaxtable · 29/01/2025 01:35

You own 50% so I would sit him down and tell him how unfair he is being to you and your daughter. I would also share with him court cases where daughter have won substantial money from an estate because they were left out, particularly if she is more involved than your sons from what you say about her being his right hand man
The only person who wins in that scenario is the solicitors and it will cause a family rift

If he is still adamant then you leave your 50% to your daughter, although tbh I couldn’t stay with a man who is prepared to treat his child like that so would be looking to leave, he can either purchase your 50% or he sells the farm

She’s under 11, so I doubt she’s really his right hand man! Just she’s probably at the moment more interested in the farm which may well change as she gets older. He’s only leaving his share to his sons, so the OP can do as she likes with her share. Im
not sure I’d leave her the whole 50% but work it so the children all end up with an equal share.

misscockerspaniel · 29/01/2025 08:27

You say that the farm is owned 50/50. Check with the Land Registry to see if it is owned as joint tenants or as tenants in common.

Joint property ownership: Overview - GOV.UK

Joint property ownership

Check if you're a joint tenant or tenants in common. Change from joint tenants to tenants in common, or tenants in common to joint tenants

https://www.gov.uk/joint-property-ownership

MoodEnhancer · 29/01/2025 08:26

PokerFriedDips · 29/01/2025 07:49

He can leave his 50% to your sons but let him know that you'll be leaving your 50% entirely to your daughter if he does, so she will end up having double their share. Or he can agree to treat the 3 of them equally and so will you

It's not unusual outside farming to leave property to the youngest generation as this effectively halves the number of times IHT will be triggered across a 100 year period. However It's normal for this to be tied in with a "beneficial interest" to the relevant surviving older generation family members (generally the parent of the inheritors) which means the children are the legal owners but they can't turf out their parent or make independent decisions about the property. If your DH isn't doing that then he's an arsehole.

I’m not sure this is quite correct, especially re: capital gains tax on land. I think most people leave it to their spouse, who will inherit tax free. The land gets valued at that stage, so when passed on again the increased value is for a shorter time period and therefore lowers the overall tax bill. I fully accept I may be wrong, but I believe that is the usual approach.

SlatternIsMyMiddleName · 29/01/2025 08:26

I work adjacent to the farming community and this thinking is surprisingly common. As a rule no farmer wants to split the land as subdivision is not an effective use of land. Therefore they prefer to leave to one child, which traditionally (but not always) is the son.

This is considered normal where I’m from and daughters rarely complain. The really old fashioned view is that the daughters have to marry ‘well’ to secure their future. Quite often the daughters will be given some other separate asset to try to equalize up, but this rarely comes close to the value,

Most farmers golden rule - never split/sell the land. This is financially true, but it leads to the inevitable favoring of one child over others.

A farm of land that is split at every generation between all children will not be a viable farm for long.

What is unusual in the OP’s scenario is that she is a 50% owner.

Horserider5678 · 29/01/2025 08:26

Spirallingdownwards · 29/01/2025 01:32

This. 50% is in your name. Leave the entire 50% to her.

There used to be a BBC2 show called You Can't Take it With You. It gave advice to people if different situations. The farm scenario with sons and a daughter was one. They equalised inheritance by leaving the daughter another property. It may be worth seeing if you can find this on BBC iplayer or archives online.

Yes, that was my friend’s family in the show. Her mother has a rental property which her daughter will inherit in place of her share of the farm. The son’s all work the farm, and she has her own career so was the best solution. However with the new inheritance tax on farms I think she will ultimately have the best deal in it all.

Beekeepingmum · 29/01/2025 08:25

I think farms need to be thought of differently. It needs to be left to whichever family member is taking over running the farm. Under 11 feels a bit young to be deciding who is going to run it in the future. If the farm is just seen as value to distributed the government are absolutely right to tax it for inheritance.

MaggieFS · 29/01/2025 08:21

Actually it's a good point from pp to check how the ownership is registered. Simply because the DH said he'd leave his to the sons I've assumed tenants in common not joint tenants. If joint, then OP will inherit it anyway. If not then OP has her half as leverage.

MissDoubleU · 29/01/2025 08:15

He has no interest in your or your daughter’s long term security. Time to take action. Divorce now or wait until after he inherits. Write your own will to ensure daughter gets your 50%.

Bellyblueboy · 29/01/2025 08:14

He is sexist and dismissive of your views. He thinks if his daughter as less of a person than his sons.

this can’t have been a secret - men like this show their sexism in all aspects of their lives.

If you left him now would he have to sell the farm? Imagine that - a woman having influence over his life opportunities😊.

careful he doesn’t impose his world view on your sons - and your daughter.

MaggieFS · 29/01/2025 08:14

What a horrible man. Either divorce or leave all of your 50% to DD.

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