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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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:
Ilovelifeverymuch · 10/09/2025 21:57

This reply has been deleted

This has been deleted by MNHQ for breaking our Talk Guidelines.

She doesn't want to work 😂 😂 😂

She sees it as her right to be a SAHM while spending the rent of about £5k a month on herself

SallySuperTrooper · 10/09/2025 21:53

Arran2024 · 10/09/2025 21:43

I would worry that the husband is disengaging and doesnt care to keep his wife content - it could be a passive aggressive move to make the OP suffer. He could be planning more moves but needs the property out of her name. I would be concerned.

I do know a lot of high net worth families with a sahw. There is usually an understanding that the wife covers all the domestic stuff - the house, the meals, the children, the dogs, the garden, the admin - and beyond that she can meet friends, do classes, go to the gym.

Their friends will largely be doing the same and it wouldn't go down well in their circles to suddenly pull the rug on this lifestyle without good reason.

I smell a rat.

But that's not what's happening here. Op.wants income from something she refuses to deal with and wants to be a sahm to mid primary school age dc, while.dh should be working full time and taking on all the stress of the landlord role because it's too much for op.

Arran2024 · 10/09/2025 21:43

AngelicKaty · 10/09/2025 20:31

And if that's the "package" OP's DH wants why would he disrupt the setup by cutting off her only income? That doesn't make sense.

I would worry that the husband is disengaging and doesnt care to keep his wife content - it could be a passive aggressive move to make the OP suffer. He could be planning more moves but needs the property out of her name. I would be concerned.

I do know a lot of high net worth families with a sahw. There is usually an understanding that the wife covers all the domestic stuff - the house, the meals, the children, the dogs, the garden, the admin - and beyond that she can meet friends, do classes, go to the gym.

Their friends will largely be doing the same and it wouldn't go down well in their circles to suddenly pull the rug on this lifestyle without good reason.

I smell a rat.

MissPobjoysPonies · 10/09/2025 21:29

CoffeeLipstickKeys · 10/09/2025 19:51

No. You’re just Listing tasks as if onerous or stretching tasks you over time
Most people work and manage everything you’ve listed
Bills, Direct Debit etc - pay online , few tap on an app
Laundry pop in machine
Chores don’t mean you can’t work.

exactly - how do SAHP believe working parents achieve these things? If I was a SAHP these things would be easier, yes but as I manage them whilst working I’d find myself with a lot of additional time to fill.

OP just a word of warning from some real life friendship experience - the SAHP without their own private income (which this doesn’t appear to be/is a grey area) have discovered that their partners wanted them to be partners in work too as the DC were getting older (yr 3/5) and not SAHP who seemed to have lots of free time and personal spends. For those two out of the three SAHP from my child’s year group - they are now single parents. No 3 was financially independent. And this was before the current COL crisis. So perhaps sit down and communicate in a manner of what the future looks like before it possibly takes a different direction.

DISCLAIMER - this obviously isn’t the case for all SAHP and I’d LOVE to be able to shop/go to the gym/ get a full on grip of the house/ spend time with elderly parents it would be amazing so maybe I’m just jealous of your easy income :)

Blondeshavemorefun · 10/09/2025 21:18

CoffeeLipstickKeys · 10/09/2025 20:14

and my school doesn’t. It’s an additional charge

Same. The local ones to me charge extra before /after school

CherrieTomaties · 10/09/2025 21:16

Nosdoc · 10/09/2025 18:23

Until I had our DC with DH, I’ve always worked.

What’s stopping you from getting a part time job now?

Your kids aren’t babies. There is no reason for you to be a SAHM if your kids are in full time education.

You are just coming across as work shy.

Every couple my age with kids (I’m 31 btw) all work. We all work either full-time or part time. We wouldn’t be able to live and feed our kids if we both didn’t work.

PithyTaupeWriter · 10/09/2025 21:10

NoMoreLifts · 10/09/2025 18:29

Say 0930-1430h, so 5h, 25h a week. Even term-time only 37 weeks at min wage brings in about £11k.
It might take a bit of finding (or include shifts when their father can look after them?
It would make a difference to most people.

There is remote work, and after school care, child minders etc. Plenty of us manage to work full time with children.

MaurineWayBack · 10/09/2025 21:05

Someone2025 · 10/09/2025 21:01

Sounds to me like you don’t have a strong marriage, your husband deciding to sell the property without discussing it with you and you are afraid to discuss family finances with him…..you need to get a job for a few reasons, no.1 being that your marriage may end so you need to protect yourself, no.2 it may ease the financial pressure that your husband seems to be under, no.3 is that your kids are in school so you could look at getting something at least part time

No1 - that she is likeky to end up needing a job sooner than she thinks is the only reason why the OP should look for a job. (And I agree it’s a very good reason)

The rest? Come on, they have several BTL! Theyre not struggling so much that the OP should help alleviate ‘the pressure of being the main earner’.

lessglittermoremud · 10/09/2025 21:05

No he hasn’t said he wants her to work but I think people are slightly incredulous that the OP thinks she can demand he keep it when she puts no work in for it and just wants the money as her ‘income’

SleeplessInWherever · 10/09/2025 21:02

Shewasafaireh · 10/09/2025 20:55

Not sure if demand is the right word but I’d definitely agree that there is a resurgence of women wanting to stay at home too. The tradwife trend, women looking for “providers”, etc, seems to be fairly popular among young women.

…..I assume none of them are contemplating that will it bite them back when they’re older but that’s life experience, I guess.

@Arran2024 said that

Some high earning “want and demand” a SAHP, and they’re not necessarily “able to set the terms and conditions” while they’re with them.

If any woman is marrying a man who “demands” they stay home and be domesticated housewives and can’t have a say, they’re idiots.

That’s completely different to having agency to decide, and discuss with your partner that you want to be a trad wide, being told you have to be is 1950s nonsense and we shouldn’t be marrying it.

anyolddinosaur · 10/09/2025 21:02

If you want financial freedom you work and earn it. Either learn to manage the HMO or get a paid job. Your dh is tired of the financial burden and wants help.

MaurineWayBack · 10/09/2025 21:02

Oh I fucking hate tge answers ‘just get a job’…

The OP and her dh DO NOT need the income of her working.
It’s totally ok fur the OP and her dh to agree that her being a SAHM job is the best fur their family. No one, none of the posters on here, should be judging that.

What is absolutely not ok is

  • the OP’s making a unilateral financial decision wo having a chat with the OP about it. It doesn’t matter if it was his house before they got married. He was quite happy to transfer it to her when it suited him!
  • the fact the OP is saying she has ‘no income’ aka she has no access to money unless it’s that one. Why? Why is tte money not pooled or ‘allowances’ (spending money) given to BOTH of them.
Thats not what a partnership looks like. And tge OP having a job usnt going to help that. Starting with the fact, if he is happy to withheld help re running tge BTL to force her to accept his decision, he is likeky to have the same attitude if she starts working - I’m not helping because you could/should be at home with the dcs.
Someone2025 · 10/09/2025 21:01

Nosdoc · 10/09/2025 18:26

I pay for my child to go to the same school as our DC. My ex contributes, I use the rental income and savings I have. It’s convenient for everyone.

Sounds to me like you don’t have a strong marriage, your husband deciding to sell the property without discussing it with you and you are afraid to discuss family finances with him…..you need to get a job for a few reasons, no.1 being that your marriage may end so you need to protect yourself, no.2 it may ease the financial pressure that your husband seems to be under, no.3 is that your kids are in school so you could look at getting something at least part time

Reasontoreason · 10/09/2025 20:58

BIossomtoes · 10/09/2025 19:50

Some people have no choice. Just like OP wouldn’t if she was a single parent. And I predict that’s in her future if she doesn’t buck her ideas up.

Exactlypeople live differently, and what works for one might not work for another. I don’t think her husband is going to leave her over a disagreement about selling a property. But Mumsnet does tend to recommend divorce at the drop of a hat. Thankfully, in the real world, most people take marriage more seriously.

Shewasafaireh · 10/09/2025 20:55

SleeplessInWherever · 10/09/2025 20:42

Are women still really marrying men who “demand” they stay at home?

I wouldn’t marry a man who “demanded” I breathe in and out. The days of men “demanding” anything should, by now, be absolutely over.

More fool them.

Not sure if demand is the right word but I’d definitely agree that there is a resurgence of women wanting to stay at home too. The tradwife trend, women looking for “providers”, etc, seems to be fairly popular among young women.

…..I assume none of them are contemplating that will it bite them back when they’re older but that’s life experience, I guess.

Roosch · 10/09/2025 20:55

Oh and this BTL is his premarital property - what do you actually bring to the table???

MixedBananas · 10/09/2025 20:54

Go get a Job?

MeetTheGrahams · 10/09/2025 20:52

So he's paying off the mortgage, so the money set aside each month for the mortgage he paid will now be freed up to either save or spend (ie covering your DC's school fees).

You, OP, need to get your priorities in order and find a part-time job as soon as possible. DH is tired of you having so much "fun cash" and wants you to contribute your fair share in this relationship.

Another one who is with your husband on this

Roosch · 10/09/2025 20:52

Nosdoc · 10/09/2025 14:06

I tried before and I couldn’t manage it properly. It’s a large HMO and it constantly requires work and day to day management. We have non HMO BTL but these are in joint names, and any excess income isn’t spent.

So you don’t work , don’t maintain your btl, have your current DH pay for you and your child/ren’s private school fees…. I would be pretty surprised if your husband hasn’t regretted getting into this set up.

Do you look like Miranda Kerr? Your husband has a pretty shit deal.

Reasontoreason · 10/09/2025 20:49

TeamBuffalo · 10/09/2025 20:27

None of these are full time jobs, unless you choose to make them so.

It sounds like she may have some health issues, but that’s neither here nor there. Maybe she simply doesn’t want to work, and it’s not as if her husband has said he’d prefer her to. That’s really up to them. The original question was about a BTL one wants to sell and the other doesn’t that’s the actual issue. I don’t understand why people get so affected if someone chooses not to work. As long as they’re not claiming benefits, what’s the problem? And if her husband would like her to work that another discussion. But her husband hasn't actually said that , nor has she said she wants to work

minipie · 10/09/2025 20:43

Arran2024 I’m in SW London and there’s plenty round here. I know many.

SleeplessInWherever · 10/09/2025 20:42

Arran2024 · 10/09/2025 20:39

Sorry. I don't know what to say to convince you. I used to work in the City and knew a variety of men with different domestic set ups. But in north Surrey, there are lots of communities like I described. I knew lots of these women.

Are women still really marrying men who “demand” they stay at home?

I wouldn’t marry a man who “demanded” I breathe in and out. The days of men “demanding” anything should, by now, be absolutely over.

More fool them.

Arran2024 · 10/09/2025 20:39

AmIHumanOrAmIAYeti · 10/09/2025 20:35

I don’t recognise it. I work with a lot of City workers and the majority are either gay, divorced or have working wives.

Sorry. I don't know what to say to convince you. I used to work in the City and knew a variety of men with different domestic set ups. But in north Surrey, there are lots of communities like I described. I knew lots of these women.

SallySuperTrooper · 10/09/2025 20:38

CoffeeLipstickKeys · 10/09/2025 20:34

Listing tasks doesn’t elevate then to status of equivalent To a job
Housewife isn’t a job. Doing your own chores isn’t a job. Feeding your children isn’t a job

Oh but it must be, and because of the significant household income from the dh...
These sahms school run, ocado delivery and instructions for the cleaner is far more laborious than the plebian day to day tasks of parents who work full time and do these tasks...

SunnySideDeepDown · 10/09/2025 20:38

Nosdoc · 10/09/2025 14:29

I don’t understand why this matters, it’s not babies that need their mother.… it shouldn’t but they are all in primary school.

FFS get back to work and stop moaning. Pay your own way in life like everyone else!