Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To give up Housing Association house and buy house with partner?

294 replies

Housingquandary · 20/01/2026 22:08

I live in a new build HA house with my daughter. It's a 2 bedroom and is very small but it's a nice quiet area and lots of schools nearby.
My partner is divorced and lives with his mum , he has started talking about living together and getting a bigger place together. My place is nice but it really is noticably crampled especially when he stays over. We don't live together and I do like my own space , I also am terrified of getting a mortgage and the financial burden and responsibility especially now as I'm in early 40s, but the idea of a bigger house is so appealing. Would I be mad to give up my house and do this? I was so lucky and grateful to get this house in the first place.
It's an ok size for me and my daughter but when he is here, it just feels cramped and not big enough for 3 people. I should also add we have been together for 2 years.

OP posts:
Butterycrumpet5 · 24/01/2026 16:16

I (stupidly) did this with my HA property! One of my biggest regrets.
I was with my ex for 6 years before his parents gifted us a deposit and we jumped head first into buying somewhere.
He lived with me for 12ish months before we got the keys to the house, everything seemed perfect, then from the moment I handed my HA property keys back he changed and became very emotionally abusive to me.
Thankfully no kids involved.

Obviously this doesn't happen to everyone but I would never encourage anyone to give up their property, especially when they have kids too.

Doubledenim305 · 23/01/2026 22:50

Dissappearedupmyownarse · 23/01/2026 09:27

Its not just the relationship though is it? Its what she could potentially lose if it all went wrong. Losing a lifetime of guaranteed housing security for herself and her daughter is a massive gamble based on just 2yrs especially as they've never actually lived together fully. That can change the relationship dynamics massively.

Exactly 💯
Once he has got u tied in to him , with it difficult now to leave.
Ahhh time for him to sit back and let u do everything.
This is the moment the mask will slip and u will see the real him.
Do not do it OP.

Snakebite61 · 23/01/2026 10:10

Housingquandary · 20/01/2026 22:08

I live in a new build HA house with my daughter. It's a 2 bedroom and is very small but it's a nice quiet area and lots of schools nearby.
My partner is divorced and lives with his mum , he has started talking about living together and getting a bigger place together. My place is nice but it really is noticably crampled especially when he stays over. We don't live together and I do like my own space , I also am terrified of getting a mortgage and the financial burden and responsibility especially now as I'm in early 40s, but the idea of a bigger house is so appealing. Would I be mad to give up my house and do this? I was so lucky and grateful to get this house in the first place.
It's an ok size for me and my daughter but when he is here, it just feels cramped and not big enough for 3 people. I should also add we have been together for 2 years.

Stay put.

Dissappearedupmyownarse · 23/01/2026 09:27

FlyingCatGirl · 22/01/2026 22:19

It's 2 years, not 2 months! How the hell did any of the MN neurotics ever get into relationships! People aren't allowed to date or live together on Mumsnet but they'll be pushed into immediate marriage though for sheer money and greed purposes. Some threads on Mumsnet just feel like a bunch of women that hate men!

Its not just the relationship though is it? Its what she could potentially lose if it all went wrong. Losing a lifetime of guaranteed housing security for herself and her daughter is a massive gamble based on just 2yrs especially as they've never actually lived together fully. That can change the relationship dynamics massively.

FrodisCapering · 23/01/2026 08:09

This reply has been withdrawn

Post withdrawn at author's request

Seagullstopitnow · 23/01/2026 07:47

I honestly think the "you can afford it so you should give up your home" lot are living in cloud cuckoo land.
Lots of people got very wealthy under right to buy. Looks like right to buy was a massive mistake, but if I had a secure tenancy, there is no way on earth I'd give it up with the price of housing right now. Whether I got married, got a massive payrise, no way.

In the area I live, the rent you pay on social housing wouldn't get you a room in an hmo.

Why would people destroy their standard of living in the name of "fairness" for someone they don't know?
Most people put their family first. If you say you don't, you're either a bit stupid, or lying.

Whettlettuce · 23/01/2026 01:00

Happyjoe · 22/01/2026 22:02

My next door neighbours son gave up his flat to move back home to look after his mum but for the moment, he's managing to keep working. She is a tenant and asked about him being left out in the lurch when she dies (she has heart failure). She was told that she is allowed to as she's never done it before, nor did she inherited a council home from her own parents. Would councils refuse this?

That as the case may be, it is not automatically assumed and is at the discretion of the HA. Some grant succession some don't. If the tenancy starts before 2012 then its more likely to be given.

Atsocta · 23/01/2026 00:57

100% Stay where you are, don’t give up your home …

Doubledenim305 · 22/01/2026 23:49

FlyingCatGirl · 22/01/2026 22:36

Dont talk wet! I've lived unmarried to my partner for over 22 years, my partner's mum has lived unmarried to her fella for 42 years, they are unmarried couples everywhere, we've got unmarried friends that have been together at least 10 years and there has been for decades! Can we stop being stupid! People live together without being married and even have kids together! It's massively sensible to live together and see if you are right for each other, you don't want to be finding out you aren't once you've bloody got married. Many people don't bother with marriage at all. I hate to break it to you but we left those backward times a long time ago.

I know everyone does this now, but it's a recent thing. My parents/ their friends/ grandparents... like it was unheard of to shack up together to see if you were compatible. Like gay sex was a crime/ death penalty in UK ... Modern life is very very different to the past. That's all I'm saying.
It's not always been as it is now.

FlyingCatGirl · 22/01/2026 23:07

For me they need to stop building social housing and start kicking people out who don't need it because they could actually afford to rent or pay mortgages themselves. Too many times now I have seen people simper about how wonderful their lovely new build council house is! Back in the day when people were being slung in some grotty block of flats or rough arsed estate, people had the impetus to get off their backsides and earn more to go and live elsewhere but now they don't need to bother even if they can afford to. Council houses do unfortunately lower the property values of innocent mortgage holders that live on the same estate.

Zov · 22/01/2026 23:02

Zara445 · 22/01/2026 23:01

I also have a 10 year old daughter and live in new build social housing - I’m single but if I was to start dating there’s not a chance I would give up my home. Yes it’s small but we have it exactly as we love and it’s our place. Dating and living together are not the same. After so many years you will be able to buy your home and that is yours and your daughters safety net.

Well said Zara. x

Zara445 · 22/01/2026 23:01

I also have a 10 year old daughter and live in new build social housing - I’m single but if I was to start dating there’s not a chance I would give up my home. Yes it’s small but we have it exactly as we love and it’s our place. Dating and living together are not the same. After so many years you will be able to buy your home and that is yours and your daughters safety net.

Zov · 22/01/2026 22:51

Oh dear......... Confused So much rage.

.

FlyingCatGirl · 22/01/2026 22:48

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

Zov · 22/01/2026 22:37

@FlyingCatGirl Are you OK? Serious question. You seem really angry.

I wonder if you are angry because you're not married? And you are projecting?

I've got news for you. There is nothing 'backward' about getting married. It's very sensible, it's what people do when they love each other, and no WAY should any woman be having children with a man she is not married to.

.

.

PoppySaidYesIKnow · 22/01/2026 22:36

Don’t do it. If he wants to save for a house or flat (and if he’s been living with his mum that long he should have a hefty deposit) let him go ahead. I’d never give up a nice HA property in your position. Let your relationship continue with the current arrangement. You can always try for a house swap at some point.

mumofoneAloneandwell · 22/01/2026 22:36

!!! 😂😂 @Zov xx

Chisbots · 22/01/2026 22:36

Not a chance.

A secure tenancy is better than owning in many ways.

FlyingCatGirl · 22/01/2026 22:36

Doubledenim305 · 22/01/2026 22:26

'always been normal to live with a partner before marriage to check compatibility '. Oh my goodness, do you actually believe this?!
Hate to break it to you but it has absolutely not been the norm to live or sleep with your partner before marriage. This is a VERY recent thing

Dont talk wet! I've lived unmarried to my partner for over 22 years, my partner's mum has lived unmarried to her fella for 42 years, they are unmarried couples everywhere, we've got unmarried friends that have been together at least 10 years and there has been for decades! Can we stop being stupid! People live together without being married and even have kids together! It's massively sensible to live together and see if you are right for each other, you don't want to be finding out you aren't once you've bloody got married. Many people don't bother with marriage at all. I hate to break it to you but we left those backward times a long time ago.

Zov · 22/01/2026 22:35

😆

Zov · 22/01/2026 22:34

mumofoneAloneandwell · 22/01/2026 22:34

😂😂😂 just quoting people all over the thread, looking for an argument

Yep. Maybe she's had a bad day. Let's not be too harsh on her. 😬

.

mumofoneAloneandwell · 22/01/2026 22:34

Zov · 22/01/2026 22:31

That poster is embarrassing herself! 😬

😂😂😂 just quoting people all over the thread, looking for an argument

Zov · 22/01/2026 22:32

@FlyingCatGirl

No I'm.female as my handle states but it's rude and aggressive to address me as "girl"!

YOUR NAME IS FLYINGCATGIRL. 😂

Didn't think that one through eh?!

JLou08 · 22/01/2026 22:32

You never really know someone until you live with them. I wouldn't risk it. If your DD is happy with living with him, I'd try living together in your home before risking your home and savings on a joint mortgage.

Zov · 22/01/2026 22:31

mumofoneAloneandwell · 22/01/2026 22:29

Your views are terrible

here’s some support 💐💐

That poster is embarrassing herself! 😬