Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

I want the house only in my name?

136 replies

Flower0782 · 13/03/2025 21:54

Will try and keep this short. Before my husband and I got married we discussed what would potentially happen with my father’s house in the future. As I am an only child it’s likely that my dad’s house would be left to me. My husband who at the time was my partner said that he wouldn’t expect his name to go on anything and if he would be happy to sign a prenup if that’s what I wanted. Fast forward 15 years, we have been married for nearly 5 years (no prenup). The subject came up again recently. I basically said to him if I were to sell my dad’s house and buy one for us to live in, the house would only be in my name as we do not know what the future holds. He could obviously treat it as his home also, and I would not constantly be reminding him that it’s “my house”. He has said seen as we are married the house should be in both our names and if I’m not willing to put his name on it then he is not interested in moving into it. None of this has actually happened yet, but it has got me worried for what is going to happen in the future. I’m really here to ask AIBU for only wanting to put my name and not my husbands on a house that would be bought with my inheritance?

OP posts:
New posts on this thread. Refresh page
AnAlpacaForChristmasPleaseSanta · 14/03/2025 15:23

Mrsbloggz · 14/03/2025 13:33

Generally because they are the ones making all the sacrifices in the relationship, bearing the children doing all domestic work etc.

I'm not disputing the motivations but marriage = possible divorce= splitting assets. It shouldn't come as surprise to anyone particularly not on here.

Blondeshavemorefun · 14/03/2025 14:32

Hibernatingtilspring · 13/03/2025 22:05

Fwiw you see people advising other women on here all the time to run a mile if a partner is suggesting living together without being named on the deeds, and to seek legal advice if not named but married. It's usually discussed as the man being financially abusive. So I don't think people are likely to support you in this when the gender roles are flipped.

This

surely house /assets would go to your kids - maybe have that written in a will /co habitation agreement

your dad is still alive 15yrs later thankfully

Mrsbloggz · 14/03/2025 13:33

AnAlpacaForChristmasPleaseSanta · 14/03/2025 13:31

Yep, this. I cant think how many times I've read posters being advised to ensure that they get married so that will be entitled to half the house.

Generally because they are the ones making all the sacrifices in the relationship, bearing the children doing all domestic work etc.

AnAlpacaForChristmasPleaseSanta · 14/03/2025 13:31

MolkosTeenageAngst · 13/03/2025 22:00

Why did you get married if you don’t want to legally be a couple with joint assets?

Edited

Yep, this. I cant think how many times I've read posters being advised to ensure that they get married so that will be entitled to half the house.

Wackadaywideawake · 14/03/2025 13:16

If my husband had done this to me I would have left him.

mewkins · 14/03/2025 12:55

SleepDeprivedButAlive · 13/03/2025 22:05

Then get a divorce. Before your dad dies.

Yes this!!

GabriellaMontez · 14/03/2025 12:49

Your op is about a hypothetical situation. It may never arise.

The real problem is how you describe your relationship in subsequent posts. It sounds dire. Why don't you do a new post about your situation now? Start by dealing with that.

RhaenysRocks · 14/03/2025 12:43

RandomWordsThrownTogether · 14/03/2025 12:14

If he lives in it it would be commingling the assets and he would have rights to it. If I was you I would look into buying a place separate to this in the near future, could you get a shared ownership place or something to get you on the housing ladder and stop renting? I say this as we do not know what the future will bring, your dad may sell his house for care. Both my dad and my partner’s have also had partners much younger than them so you really can’t be sure things will stay the same. If you do eventually inherit you could either sell and invest in shares to help pay your share of the mortgage or rent your dad’s house and use the rent money to pay towards your mortgage.

I do not see an issue in protecting your inheritance. If my partner ends up doing that (parents 10 years older than mine) I would be a little miffed but I would just do the same when the time comes. I don’t understand why people think your partner is automatically entitled to half, I do not see myself as entitled to anything my partner may inherit and I don’t think he would feel entitled to anything I do.

Because he is her husband not her partner and they have shared children. He's not a Johnny come lately new chap.

HuskyNew · 14/03/2025 12:28

Flower0782 · 13/03/2025 22:04

I think it might be worth mentioning that we are in rented property at the moment, and about 2 months ago I was looking at renting elsewhere for just myself and the children. It’s a whole other story, but it was mainly down to not being able to get another job because of his inability to be flexible when it comes to his working hours and hobbies, expecting me to do everything round the house apart from maybe throwing a wash in the dryer now and then, and the way he has been speaking to me recently. I guess I’m not as secure in the relationship as what I used to be.

Sounds like you need to divorce before your dad dies.

Mrsbloggz · 14/03/2025 12:23

In my experience the mindset of many men is as follows:
woman = property of her male partner therefore anything the woman owns is automatically the property of the male partner.

RandomWordsThrownTogether · 14/03/2025 12:14

If he lives in it it would be commingling the assets and he would have rights to it. If I was you I would look into buying a place separate to this in the near future, could you get a shared ownership place or something to get you on the housing ladder and stop renting? I say this as we do not know what the future will bring, your dad may sell his house for care. Both my dad and my partner’s have also had partners much younger than them so you really can’t be sure things will stay the same. If you do eventually inherit you could either sell and invest in shares to help pay your share of the mortgage or rent your dad’s house and use the rent money to pay towards your mortgage.

I do not see an issue in protecting your inheritance. If my partner ends up doing that (parents 10 years older than mine) I would be a little miffed but I would just do the same when the time comes. I don’t understand why people think your partner is automatically entitled to half, I do not see myself as entitled to anything my partner may inherit and I don’t think he would feel entitled to anything I do.

HisNibs · 14/03/2025 11:04

Technically, an inheritance is considered to be a non-matrimonial asset but as with anything legal, the rules are riddled with caveats. There's a pretty good explanation of it here... Inheritance & Divorce | Do I Have to Share My Inheritance?
In the OPs case though, if father's house was to be used as the family home, it could quite possibly become considered to be a matrimonial asset (regardless of who is on the deeds) so if she was to move the whole family into it after her father dies, the answer will be decided by the courts.
If OP really thinks the marriage will break down in the future, better to do it now.
As a pp says though, there's no guarantee that the house won't have to have been sold off first to provide for care of her father.

Do I Have to Share My Inheritance With My Spouse?

Inheritance & Divorce It is a common myth that assets inherited during a marriage are ring fenced in divorce proceedings because they originate from

https://osborneslaw.com/blog/inheritance-and-divorce/

Butterfly123456 · 14/03/2025 10:50

I think it's wrong. It's like winning a lottery. If I won 20 million I would of course share it with my husband 50:50. We get married to share everything. If you didn't want to share, you should have made a prenup or not married at all.

Brefugee · 14/03/2025 10:35

Flower0782 · 13/03/2025 22:04

I think it might be worth mentioning that we are in rented property at the moment, and about 2 months ago I was looking at renting elsewhere for just myself and the children. It’s a whole other story, but it was mainly down to not being able to get another job because of his inability to be flexible when it comes to his working hours and hobbies, expecting me to do everything round the house apart from maybe throwing a wash in the dryer now and then, and the way he has been speaking to me recently. I guess I’m not as secure in the relationship as what I used to be.

Based on this? Move and divorce. Then the subject won't come up

Caroparo52 · 14/03/2025 10:33

Marriage means all assets are joint unless there's a pre nup.
If you don't want to share future assets then you need to be legally single before you inherit.

Mydogisamassivetwat · 14/03/2025 10:32

If you aren’t happy, leave now. But remember, your dad’s house isn’t gaureteed to you one day. You have no idea what the future holds for him.

I was an only child, with just my dad left. So I was going to inherit his house. He always said that it was all for me when he died (he was a much older parent when I was born so it was on his mind).

He ended up getting dementia to the point where it was dangerous for everyone for me to care for him, so he had to go into a care home, which meant he had to sell the house and paid out £250k in care home fees before he died.

I was left with what was left - £60k. Wouldn’t have occurred to me to use it for anything other than my family. £60k was paid off the mortgage to allow us to have have more free cash each month. Mortgage/house isn’t even in my name (couldn’t get a joint mortgage as I wasn’t working, we wouldn’t have been able to borrow what we needed), but you know, we are married so I’m protected.

Dh grandmother has just died and she left each grandchild £60k. Dh will pay off the mortgage so we can have a better life with his wages.

MellowPinkDeer · 14/03/2025 10:22

Get your dad to leave the house to your kids and not you. Or get him to sign over half now and then leave the other 50% to your kids with some kind o stipulation about you managing these assets until the youngest is 25. Or something.

Jamfirstest · 14/03/2025 10:18

Hoppinggreen · 14/03/2025 09:48

Doesn't matter who's name anything is in, its a marital asset

Not until the asset is in the ops possession.

Namechangetry · 14/03/2025 09:51

I voted YABU because you don't seem to understand the legal agreement you entered into when you married.

Divorce now before the house becomes an asset of the marriage. And also, obviously, because you're not happy in this relationship.

Hoppinggreen · 14/03/2025 09:48

Doesn't matter who's name anything is in, its a marital asset

CandidHedgehog · 14/03/2025 09:47

Silvertulips · 14/03/2025 09:10

Put his name on the house or don’t, he’s still got an equal right to it and will get just as much of the equity either way

This is not true when it comes to inheritance .

It is if the house becomes the matrimonial home. I thought that was what was being discussed - the family living there and / or using the inheritance money to buy a different home to live in?

Either way, once the property / money is used for the family it 100% gets divided between both parties.

BarryAsthma · 14/03/2025 09:30

To be thinking this to this degree, you must be working on the basis that it is likely you will get divorced one day. You already seem to see him as “the enemy.”

So you’d be far better off divorcing him now and then anything you get will be just yours anyway.

Lifestooshort71 · 14/03/2025 09:24

ditzzy · 13/03/2025 22:35

Although I always refer to him as DH, I’m not actually married to my partner and house ownership is one of the reasons why. I own our home, it’s my house, our home, and he considers it his home too. We’ve lived together with that agreement in two different houses for over ten years.

The only time it causes a problem is when he wants to do home improvements, which I pay for (because it’s my house) but he gets equal input in ideas because it’s his home. Sometimes he goes for higher quality on really odd things where I just don’t think he would if he was paying. But generally it works for us.

With my ex-H, as far as I’m concerned, he took half my house, as I owned (mortgaged) a house before we married and when we split I gave him half the equity. He’d paid into the mortgage the whole time, so it was fair, but it made me feel I’d been a bit naive.

We are exactly the same, 23 years, unmarried, property is mine. He knows what's in my will - an acceptable lump sum for him (as recommended by solicitor) then the rest to my children and grandchildren. Solicitor said that as long as I'd made some provision for him (it works out at only about 8% of my estate atm not allowing for possible care home fees!) then even if he became a totally different person and challenged the will, the Court would not uphold it. He's useless with money and it's not my fault he hasn't invested in a property of his own. It's getting the balance between head and heart as we love each other dearly and both agree this is fair.

Mix56 · 14/03/2025 09:20

It sounds as if you are already worrying about your financial security & your H is starting to take the piss

mamajong · 14/03/2025 09:12

If you're married then it's a shared asset regardless. It sounds like you want an exit plan which is no way to live married life imo