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.

While this is obviously something you are concerned about. Your mum is an adult and is capable of her decisions. Could you have a private chat with her?

He's never shared a Will even but has said brother will be looked after
A decent man would want to prove to her that everything was signed, sealed and legal, that they child they had together would be treated fairly.

Instead he appears to see himself as the lord & master by whom the scullery girl 'got herself pregnant'.
Now she has to accept that this child will not be fully acknowledged, the first family will always be the favorites. I guess her boy is tainted by association with her lower economic status?

This!

are you crazy??

that man is no partner

how are women settling for this shite and even worse having kids with men who don’t even pretend to be anything other than selfish

hd makes it clear he does not care about you yet you have cracked on…

Absolutely not. He should wait until the house is sold! Unless she gets a charge/lien over the new house for non payment of the loan

Not do it are you absolutely insane he sounds awful - who is in his will right now.
run take your life savings and run

Yes and he should pay for both solicitors.

He is socializing the risk and privatizing the reward. I am aghast that your mother and his last childcare treated like some kind of appendix to his real family. His older children were funded by him, and presumably their mother treated like a wife prior to the divorce or her death. But your mother—after six years and a child—is still treated like a probationer?

What contempt he has for her! And for his last childcare treated. Absolutely no thought to securing that child’s rights and future. Which we all know OP’s mother will be solely responsible for if the “partner” should choose to end the relationship.

Trust goes both ways- the only way to protect her money is for her to have a ringfenced share of his house reflecting her financial contribution. A solicitor for each of them. Then when he's in the position to pay her back they can change the deeds in exchange for the cash. If he doesn't like that then it's not something she should do.

This is a scary situation for your mum. Has she got her savings invested in something with a good yield? She would be losing out on any interest and who knows if he will suddenly turn around and say he now wants rent instead of paying it all back. Or he borrows money and gets hit by a bus before he pays it back.

Has your mother thought much about what will happen if in 10/20 years her partner dies first and his kids take the house she has been living in - property prices will likely have risen a lot in that time and unless she has made some very shrewd investments she may find that she can not afford somewhere to live. I would suggest that she uses that money and gets a small mortgage to buy a place that she rents out to have as a house for herself if anything should happen to her partner. The rent could pay the mortgage and the property would be there if she needs it.

ABSOLUTELY NOT.

Nope. I’m a solicitor and see people getting stung all the time in situations like this

So, he and his children get loads of security and asset protection but your mum doesn't?

This. OP, please don't let her give her life savings away.

Show her the thread, she would be bloody mental to do this. She doesn’t need legal advice she just doesn’t do it.

Absolutely no way.

It’s too complicated for him to marry her? Well, it’s too complicated for her to lend him money then.

Don't do it! My elderly Dad make this mistake...had a g/f both had their own places (owned) wanted to sell & buy together...Dads sold 1st so he bought another place put g/fs name on the deeds (she didn't put a penny in) relationship then broke down and she absolutely took half the proceeds....

If I'm giving MY savings, it'll be MY name ONLY on the deeds.

Absolutely no way. Either he gets a loan from a bank of building society or he waits until he can afford it without a loan. Your DM would be a fool to lend to him, even if he is honest and intends to repay what would happen if he died?

I hope she laughed and asked if he was joking!

Well, as people pointed out about the will being changeable, I text her earlier and they also had a loan agreement that she was always to be paid the money when the house was sold. But the will was updated as well.

Was lucky she did both as his kids who she had a great relationship with for years suddenly resented having to sell their family home and contested.

She can get a loan agreement drawn up and then put a charge on the property until it's paid back.

I did this when I loaned my sibling some money to buy their house. They couldn't get a mortgage for various complicated reasons and were a bit short. The solicitor drew up a straightforward loan agreement which was properly witness etc and rhen you put a charge on the property so if something happened eg he died, the loan would need to be paid back from the proceeds of the property

But he isn’t looking after your brother.

If they’ve been together 6 years, then your DB is very young?

but if her DP drops dead tomorrow, your mum and brother’s home is split 3 or 4 ways.

she needs to have lifelong tenancy, or at least until your brother is 18.

It’s got scam written all over it. Absolutely no way should she do this!

He might not even have money if she hasn’t see his will, doesn’t share fiancials etc.

The buyer could have been a mate, could have been a plan. Sounds crazy but it does happen.

Dear God No
6 years or 60 years - you don't 'lend' someone £250K without a lot of legal protection and even then it would be a NO from me. She may need her money at short notice and if it's locked up in a house, at best there'll be a substantial delay in getting it back.

If she wants to be kind - she goes in as a financial partner with contracts and such but it will still cost her to get the money back. She is much much better off keeping her money separate permanently. He wants to keep his adult children's inheritance protected and so should she.