Mums partner 6 yrs want's her to lend him all her life saving for a loan to buy larger house she won't be on deed for.

I’m a solicitor. There are commercial bridging loans he could get, albeit often at high interest rates, but as he treats finances as separate your mum needs to think about this as a commercial transaction, i.e. risk and upside. He needs to pay interest, give her a charge over both properties and pay her legal fees. She needs to think about what happens if something goes wrong and the first house can’t be sold, how does she get her money back then, what if the relationship ends or something happens to him, where will she live ne how will she fund her lifestyle?

Much easier for him to get in touch with a decent broker to find a commercial loan, or remortgage the existing house to pull out the equity for the new purchase then deal with it afterwards, may cost him a bit more, but as PP said this puts all the risk on her with absolutely no safeguards. She would be mad to do it.

If it's too complicated to marry her, it's definitely too complicated to drain her life savings on a verbal agreement

Everyone above has sussed it.

This guy is not willing to offer your mum the protection of marriage, which he could do whilst still protecting his DC, or even of putting her on the deeds. Why on Earth should she do this? The arrangement would be so one sided as to be undignified.

If you cannot make her see reason, perhaps a counsellor or solicitor can.

I would be so put off by this request that I might break off the relationship.

Agree, she would likely end up homeless and never see a penny of it again.

Woman = property
➡️ all her money also belongs to me.
Men often seem to have this mindset.

This is a CON/scam, sorry but there is not way you can trust this man. You can never really trust anyone. Don’t do it.

Nooooooo, no no no. Absolutely not.

I haven't even seen mention of a solicitor to help her protect that loan.

Just no 👎🏾.

NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO
PLEASE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Absolutely no fucking way would I even entertain this. Where is her guarantee thay she will have her money back? The fact that he has ring fenced his assets to keep her on the outside and then expect her to give him hers? Even if short term? Just no. There's no equality there at all.

Such a bad idea

Once their current house is sold he would pay her back
Talk is cheap, she has no way of enforcing this. I hope you can talk her out of this.
If she doesn't feel up to telling him straight then can she come up with some reason that she can't do it and insist that he gets a bank loan instead- if it's only short term it's not going to cost much in terms of interest.

But he wants separate finances, even though they are in a long term relationship and share a child, so he’s got separate finances, exactly as he desired. 🤷🏻‍♀️

Secure it with a legal charge on the property. Easy enough to do.

How much are we talking about in terms of her life savings? If it’s say £5k and she has £250k from her divorce settlement, then I can see why she might not think it’s a bad thing. If her life savings are say £50k, that’s obviously a much bigger risk.
If it was my mum, I’d advise her in the strongest possible terms not to do it. Are they at some point planning to buy a house together? Because if so, she absolutely must be on the deeds for that.

Your Mum is worried for a reason. Gut instinct is never wrong it's there for a reason. It might be different if her name was on the Deeds.

This is why banks exist.

The only way I would consider this is if she's on the deeds of the house, even if she's later removed once the money's paid back. If he won't consider the minimal hassle and financial cost of dealing with that properly and legally, then that speaks volums about his attitude to her.

Yep, I'm sorry OP but it looks like he's been playing the long game here, biding his time....

In short he wants the perks of shared finances but the the sharing is one way? Hard no from me. He wants to have his cake and eat it. Too risky.

So he wants to protect his savings/investments for his kids but wants to borrow hers. Absolutely no way

The risk is all hers though and the reward is his. He is not matching her risk in any way.

I know a couple of people in 'loving' relationships that trusted their partners in this way and then lost everything. It's so frustrating because with hindsight it was an obviously crazy risk to take

No deeds
No marriage

So no money for him.
It's that simple.

What a chancer!

NO NO NO & NO

Why can’t he get a bridging loan? This has massive red flags all over it if anything was to happen to him or your mum she’d never see the money.

even if she is on the deeds it’s still an unnecessarily complicated way to purchase a house
its his house, his problem to sort

Has she been to a solicitor for advice? There needs to be a legally binding contract drawn up including terms of repayment and what happens if something should happen to her partner before the full amount has been paid back so that she can’t be left with nothing.

He doesn't want her on the deeds because as soon as she lends him the money he will end it and disappear.