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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:
Blackbookofsmiles1 · 04/01/2026 09:26

Getting married puts your house at risk, I just wouldn’t marry. How does he earn well but owns no property? Is his wage/employment on the books or cash in hand/under the radar….if so, you’re being set up to fail here.

Jackiepumpkinhead · 04/01/2026 09:26

‘He doesn’t have any property….’ I would seek legal advice re this and protect your children and yourself.

NetflixWithoutFriendsIsWrong · 04/01/2026 09:24

I own my own home (mortgaged) and this is why I'll never marry. It's mine and I'll never put it at risk.

Catza · 04/01/2026 09:23

You can both trust your relationship and protect your assets. These two are unrelated.
The first thing I would do is to talk to your partner about it. If you don't feel able to or if the conversation turns sour, that's basically your answer.
I have never been with a man who was open to me contributing to his mortgage or with a man whom I allowed to contribute to mine. Financial conversations always revolved around "one of us has a house which means we have some slack in family finances. Let's see what else we can build with that slack". In my last relationship, my partner paid the mortgage and I took over bills and food. This left us both with additional funds to invest separately. He is now in a position to move to a bigger house having overpaid on his mortgage. I paid off a mortgage on a holiday flat, sold it and am now buying a house.
We were commited to the relationship until one of us wasn't. We are both in a stronger financial position regardless.

Obviously, with marriage, there are legal routes to making this happen. But a conversation is what needs to be had first to make sure both parties are on board with this.

Sugarsugarcane · 04/01/2026 09:18

I think there’s a middle option between what you’ve said in terms of being unreasonable
yes, protect your assets, seek legal advice on how to do that
but also you need to have a plan of how to make this work as a true partnership where surely you have a home and a life together with trust or I’d be asking some really deep hard questions as to if you’re truly all in on this marriage
in essence I think you can have both? Protect your initial investment and also
move forward together with a shared home?

InveterateWineDrinker · 04/01/2026 09:14

If the positions were reversed everyone would be telling you not to have a child with him before marrying, so that you could protect yourself.

Fallulah · 04/01/2026 09:14

You need a declaration of trust drawn up by a solicitor, to protect your share and ensure his contribution moving forward is recognised. We were in a similar situation (I was you) and my partner had no issue with this. It cost about £450 with a solicitor I think.

ETA just seen you are getting married which would change things. Get legal advice.

ThreeFrenchHensHoHoHo · 04/01/2026 09:13

Please protect your assets, none of us know what the future holds. I’d agree with seeking legal advice. It’s a tricky conversation but essential.

TerrysChocolateKumquat · 04/01/2026 09:09

i really think you should take independent legal advice about protecting your assets. Especially as you have a child.