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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To feel protective of my house

159 replies

ThisMintHouse · 04/01/2026 09:07

Early 40s F. Getting married next year to wonderful, kind and generous man also early 40s. We have a child each from previous relationships and an ours baby now 1yo.
I bought a house 7 years ago and have just over 100k left on the mortgage. I've paid off about 50k. He's interested in contributing and making it our home. I'm feeling a bit scared about this as my home is a haven and I don't want to lose it. However, I also want to respect and trust my relationship. He doesn't have any property but he has a decent job and good earning potential.

YANBU: A house is a majorly important asset. Protect what was yours before the marriage.

YABU: Marriage includes combining assets and trusting one another. Jump in and trust in the process.

OP posts:
Didshejustsaythatoutloud · 04/01/2026 09:56

TimeForATerf · 04/01/2026 09:47

What’s yours is mine and what mine is my own seems to be his thought. If he earns well why doesn’t he have good savings to pay off a significant lump sum of the mortgage and enter the marriage on an equal footing?

No, it's ops thought 😂

Jellycatspyjamas · 04/01/2026 09:55

ThisMintHouse · 04/01/2026 09:34

@Blackbookofsmiles1
He was married before but he didn't get anything really when the marital home was sold. His ex wife got the majority from the sale.

I’d want to know what has happened since then. If he earns well has he built up savings he could contribute to buy into your property or another? What does he do with his salary, is he making regular maintenance payments for his child?

Of course he wants everything held in common, that’s part and parcel of marriage but doesn’t work so well when there’s a big discrepancy in assets. This is where it’s important to see marriage as the legal contract that it is, not just the next step in a relationship.

TeideHeart · 04/01/2026 09:55

ThisMintHouse · 04/01/2026 09:34

@Blackbookofsmiles1
He was married before but he didn't get anything really when the marital home was sold. His ex wife got the majority from the sale.

Why was that?

How often does he see his first child?

I think the answers to these questions will help you decide the best way forward.

You've obviously got doubts about this, and they've come from somewhere.

You need a deed of trust with your asset as it is now protected in full. What you decide to share between you as it increases in value can be decided between you.

Didshejustsaythatoutloud · 04/01/2026 09:54

DaisyChain505 · 04/01/2026 09:31

I disagree with previous posters. If this post was written by a male saying they had purchased a house then met a woman and they now had a child together and he was wanting to protect the house against her having claim in the future people would be saying what scum he was and that the mother of his child should be entitled to be legally an equal owner/on the mortage etc.

Also if a woman was on here writing a post saying she’d had a baby with a man who owned a house and he was being cautious about her moving in/being on the mortgage etc people would be saying she was well within her right to have that and her partner was an asshole.

It can’t be double standards just because the OP is a woman in this situation.

You’re either a family and a team or you’re not.

Edited

Bang on.The double standards on mn 🤔😂

Aluna · 04/01/2026 09:54

Why do you need to get married?

BonnieWeeLass99 · 04/01/2026 09:50

If you dont want your property to become his property in the eyes of thr law...dont get married

DonewhatIcando · 04/01/2026 09:47

@ThisMintHouse
If you're in England I'd be very careful of the house becoming a marital asset.
Personally I wouldn't get married, I'd be more keen to protect my asset.
Dsis owned her home before she even met her now exh.
The house was deemed a marital asset during the divorce and she now finds herself, in her 50's, with a disabled teen about to become homeless.
She has been ordered to sell the house and split the proceeds 55/45%, 55 to her.
This doesnt leave her enough to buy a new property and she's currently a carer for her teen so doesn't work and is unable to get a mortgage.
I'd be very wary in your position

TimeForATerf · 04/01/2026 09:47

What’s yours is mine and what mine is my own seems to be his thought. If he earns well why doesn’t he have good savings to pay off a significant lump sum of the mortgage and enter the marriage on an equal footing?

Bigtreeesss · 04/01/2026 09:46

Itsseweasy · 04/01/2026 09:42

“He's of the opinion that once marriage is entered, everything is shared.”
Of course he is! You have a lovely house for him to share…

And what assets is he bringing to the marriage for you to share in?

I thought the same 🚩🚩

as previous posters have suggested, you need legal advice OP.

very odd someone who earns so well, yet has no savings either. Do you actually know he earns well? - where was he living before he met you and was so keen to move in?

AlastheDaffodils · 04/01/2026 09:46

I find this and similar threads quite sad. To my mind if one partner tells another that he’s going to be a tenant in his own home, and it’s always going to be hers not his, that’s not really a marriage. As PP have said, if a man said that to his future wife MN would think it outrageous - and rightly so.

Marriage is risky and involves a big leap of faith. Trying to eliminate that risk sounds smart but ends up eroding the relationship itself. You can never be equal partners or “one flesh” if one of you is landlord to the other.

tripleginandtonic · 04/01/2026 09:45

Marrying means sharing You've a child together. If you're having doubts then I wouldn't move in together or get married.

InterestedDad37 · 04/01/2026 09:43

Ideally you'd have both worked out these kinds of details before having a kid together (🤷) but seeing as you haven't, if I were you I'd want to protect the assets you have. You clearly disagree (he thinks it's all 50/50, you don't) so you need to a) talk it through with him and agree how to move forward and b) get paperwork drawn up with a solicitor. Don't just bumble into it and assume it'll work out nicely in the future.

Itsseweasy · 04/01/2026 09:42

ThisMintHouse · 04/01/2026 09:39

I think I'm a bit uneasy about it as the house has been a safe haven for me and my only fixed asset. It's very important to me to have a roof over my head and I love the house. However, I also don't want to be so fixated on it that I send the wrong message to my partner somehow. He's of the opinion that once marriage is entered, everything is shared. He's interested in purchasing another property like an apartment in the future together.

“He's of the opinion that once marriage is entered, everything is shared.”
Of course he is! You have a lovely house for him to share…

And what assets is he bringing to the marriage for you to share in?

Genevieva · 04/01/2026 09:41

ThisMintHouse · 04/01/2026 09:39

I think I'm a bit uneasy about it as the house has been a safe haven for me and my only fixed asset. It's very important to me to have a roof over my head and I love the house. However, I also don't want to be so fixated on it that I send the wrong message to my partner somehow. He's of the opinion that once marriage is entered, everything is shared. He's interested in purchasing another property like an apartment in the future together.

That’s a fair opinion if you have similar levels of assets, but as you don’t and as he is indicating a possessive intent towards your assets I suggest you look into a pre-nup or delay getting married until you are on an equal footing.

ThisMintHouse · 04/01/2026 09:39

I think I'm a bit uneasy about it as the house has been a safe haven for me and my only fixed asset. It's very important to me to have a roof over my head and I love the house. However, I also don't want to be so fixated on it that I send the wrong message to my partner somehow. He's of the opinion that once marriage is entered, everything is shared. He's interested in purchasing another property like an apartment in the future together.

OP posts:
Genevieva · 04/01/2026 09:39

Ownership not worship.

wthisgooing · 04/01/2026 09:39

Well it seems a bit late to be worrying about assets now you have a shared child?

Genevieva · 04/01/2026 09:38

It sounds like you want to retain sole of worship, so work from that starting point. Your fiancé seems to have fewer assets than you but good earning potential, so he can pay you a contribution towards living in your house while making savings to build up his own assets. When the value of your assets are equal you can choose to invest in jointly owned property or you can keep things as they are.

After marriage make sure you write a will leaving your house to your iron children. Aside from

Itsseweasy · 04/01/2026 09:35

If you’re set on marrying him you need to get to a solicitor for a prenup. People can be all sorts of wonderful until they aren’t, and by marrying you are essentially handing over 50% of your house.
Personally I would never do this (particularly with your child to leave a legacy to in the future. I wouldn’t risk any man/person messing up everything I’d worked so hard for, regardless of circumstances).

ThisMintHouse · 04/01/2026 09:34

@Blackbookofsmiles1
He was married before but he didn't get anything really when the marital home was sold. His ex wife got the majority from the sale.

OP posts:
Cocomelon67 · 04/01/2026 09:33

This is so hard. But I think I would want to protect my house too. Perhaps you could save together for a buy to let that you co-own so he is on the property ladder? Take advice and then have a good conversation. It’s not unreasonable for him to want to work together on financial goals but there might be other ways to do this.

ThisMintHouse · 04/01/2026 09:32

@Sugarsugarcane thank you. How do I protect the initial investment but also move forward? Do you mean buy a new home together and keep the current one?

OP posts:
DoubtfulCat · 04/01/2026 09:32

I made a ‘will in anticipation of marriage’ which stated what would happen if I died. In the case of a divorce, it would be trickier and I would be relying on my H not to go after what was already mine. But I do have his previous form for being decent and trustworthy at the end of his relationships, so I believe that if ours broke down, he would respect that.

I think much will depend on your previous relationship histories and what happened when those ended, as well as how you both feel about it now. What’s your partner bringing to the marriage in terms of assets? Would he be willing to jointly draw up an agreement that neither of you go after the other’s assets (eg pensions, wealth etc) that was accrued before the marriage? But IANAL and no idea if this would stand up in court.

If this is a concern for you, maybe sit with it and consider why? Is there some undercurrent within the relationship that makes you feel nervous about its longevity, or some history or aspect of your partner that worries you how he would behave if the marriage ended?

DaisyChain505 · 04/01/2026 09:31

I disagree with previous posters. If this post was written by a male saying they had purchased a house then met a woman and they now had a child together and he was wanting to protect the house against her having claim in the future people would be saying what scum he was and that the mother of his child should be entitled to be legally an equal owner/on the mortage etc.

Also if a woman was on here writing a post saying she’d had a baby with a man who owned a house and he was being cautious about her moving in/being on the mortgage etc people would be saying she was well within her right to have that and her partner was an asshole.

It can’t be double standards just because the OP is a woman in this situation.

You’re either a family and a team or you’re not.

Mumski45 · 04/01/2026 09:27

You trusted him enough to share a child so why not a house.