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AIBU?

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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.

357 replies

Moniworries · 08/06/2025 12:39

I'm worried even though on paper it's a short term loan to enable him to buy a house now until the current one is sold.

She's worried but she also trusts him.
They have been together for 6 years and to be fair he's a nice guy, he's got two adult DC and mum has two as well. They share one DC my brother

She lives in his house now but it's quite small he wants to buy a slightly larger house for family to visit and he will be a grandfather soon

They live quite rurally so harder for family to visit.

I'm concerned because he won't marry her he said it's too complicated with his adult children and also work shares and a family trust,he won't put her on the deeds.
He's never shared a Will even but has said brother will be looked after .

Mums put up with this because she's still got her divorce money ring fenced in case of problems which is about 250. That's her fail safe and she's been comfortable with her situation living in a nicer house than she could afford with that money for her should something happen

Technically he would be borrowing this money only on a short loan but she's worried as am I,what if something random happens to him in that time?

How could she get it back and what if it gets lost in complicated trusts?

OP posts:
Jellycatspyjamas · 08/06/2025 12:42

Why can’t he wait til the current house is sold? It would be an absolute no from me.

DelphiniumBlue · 08/06/2025 12:42

No. If he’s not prepared to put her in the deeds then he doesn’t trust her, so why should she trust him?
She could go see a lawyer, get a charge drawn up and register it, though obvs there would be delay and expense in enforcing it should it be necessary, but at least she’d have some protection then.

MoveOnTheCards · 08/06/2025 12:42

wtf no!

it would be mad to do this for all sorts of reasons!

rubyslippers · 08/06/2025 12:42

IF she does it and I don’t think she sbould I would ensure the loan agreement is drawn up by a solicitor and very clearly states it is a loan and that he has to pay back within certain times
But there’s no guarantee he would do it and then what?!
he said he won’t marry her - red flag - but he wants her to loan her life savings
absolutely not
its his issue to solve of their finances are separate and they are unmarried

sparepantsandtoothbrush · 08/06/2025 12:41

God no! Don't let her do this OP

DancingDangerously · 08/06/2025 12:41

No. Don't do it. If he doesn't have the money to put down how would he pay her back this 'short term' loan?

Bigearringsbigsmile · 08/06/2025 12:41

It would be a huge no from me

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