Active discussions

Please or to access all these features

Talk
AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

To ask DH to keep our BTL

632 replies

Nosdoc · 10/09/2025 13:50

We own a BTL property that generates a decent income for me - it’s set up so that most of the income is directed to me. DH plans to refurbish and sell the property and us the proceeds to pay of the mortgage on our house. All very sensible but as I don’t work, the BTL is my only source of income. DH doesn’t plan on reducing the monthly payments on our mortgage, but he is going to reduce the term, so we won’t see any immediate benefit from lower repayments. I am feeling distressed because this money provides me with considerable financial freedom.

My husband is refusing to discuss and has told me the plan to sell is final.

OP posts:
Bagsintheboot · 10/09/2025 13:53

If you jointly own it as joint tenants he can't sell it without your agreement.

If you own it as tenants in common, with you owning the majority share which it would be if most of the income is directed to you, then he can sell his minority share separately but I doubt he'd find much of a market for it.

AmyDuPlantier · 10/09/2025 13:53

I suppose it depends why you don’t work, if you could but choose not to, or if you have caring responsibilities that would make it difficult for example?

Hard to say really without knowing a little more; apart from this should be discussed as a couple and he shouldn’t be making any ‘final’ decisions by himself.

Icanttakethisanymore · 10/09/2025 13:53

If you get 'most' the income you must also own most of the property so it's legally not only his decision.

SkinnyOatFlatWhiteForMePlease · 10/09/2025 13:52

If it’s a joint asset it’s a joint decision. Are you unable to work?

Beamur · 10/09/2025 13:52

Do you own the property jointly?

purplecorkheart · 10/09/2025 13:52

Why is this your only source of income? Could you get a job?

monkeysox · 10/09/2025 13:51

Think he wants you to get a job