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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:
Firefly100 · 21/01/2026 08:15

No, in your position I would not. I would not as I would not risk my and my daughter’s stability and happiness to benefit only my partner. I would choose to live apart many more years first. I would recommend my partner buys a small place on his own. If you were to move in together further down the line, it puts him in a better position to do so as he will build up equity.

Ithinkimprettynice · 21/01/2026 08:13

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.

Too soon. Your relationship has only been 24 months.

Saying this, you’d also not want to leave getting the mortgage too late either as the banks may only give you a 15 year mortgage rather than 25 due to your age.

I’d leave it another 3 years, if you’re still together then, go for it!

dointhebestwecan · 21/01/2026 08:10

I suspect he’s the one saying it’s small. That’s what I was told and the repercussions were awful. Keep your independence - men can change once you are trapped.

Needapadlockonmyfridge · 21/01/2026 08:01

shhblackbag · 21/01/2026 06:46

Don't give up your daughter's security (and your own!) for a man. Just don't.

This.
Please don't!

Holdinguphalfthesky · 21/01/2026 07:59

HRTFT but don’t do it. Always keep a safe home for yourself and your daughter that you have control of. Please.

It sounds too convenient for him. Let him do the graft of moving into his own place and keeping that for a while. At the moment you don’t know what sort of housekeeper he is, how he manages money, anything like that. He might be looking for another mother to look after him but with sex available as well! Hopefully not but you won’t know until it’s too late.

Cnidarian · 21/01/2026 07:32

Wrong thread, ignore!

babyproblems · 21/01/2026 07:23

Not with a daughter of that age, not without a back up plan.

Id be very wary of men if I had a daughter and I definitely wouldn’t give up our home..

HoppingPavlova · 21/01/2026 07:21

You would be absolutely mad.

Your absolute priority is safe and secure housing for your daughter, do not gamble this on something that may or may not work out if you look 10 years into the future. If you want to take a gamble, wait until your DD has left uni, or has a job and her own secure wage to fall back on for housing and then make the leap, not before. Meanwhile he can buy his own flat and you can all just squish together for visits, even if that is for a decade or so.

Thewonderfuleveryday · 21/01/2026 07:09

Don't do it. Two years is no time at all when you have a child. You and your daughter deserve your own place. She is heading towards her teens and exam years, let her have the space with just you and her to get through it.

If he really wants his own place he can save hard and get a flat. I expect he will expect you to be a housekeeper if you move in together. I've been a lone parent for for fifteen years, I would never ever live with someone again.

LakieLady · 21/01/2026 07:07

Frenchcroissant1 · 20/01/2026 23:44

I wouldn’t want to be subsidised by the state forever, and then have my daughter be stuck in a generational poverty/dependency cycle on the state as well. It’s good to be aspirational and want to own your own house. However, I would only do it if you’re really sure of this man and the strength of your relationship.

Social housing isn't subsidised; in the medium-long term, it's self-financing.

The money borrowed to build the house is been paid off from rental income, after that, the rents cover all the cost of management and maintenance, and any surplus goes back into the housing budget, where it can be used to build more houses.

People paying higher rents in the private sector and qualifying for UC as a result probably get more in subsidy from the state, and it ends up in the pockets of private landlords and pays off their BTL mortgages, giving them a valuable asset at the end of the mortgage term.

MyDeftDuck · 21/01/2026 07:05

Ask yourself why a bloke his age is living with his mum? Why hasn’t he got his own place? Who’d pay the deposit?

As pp have stated, your DD might think he’s a superhero now but as she grows up will a divide emerge? Please don’t risk your relationship with your daughter simply to keep your bedmate happy.

Bigboldfont · 21/01/2026 06:49

NeverOneBiscuit · 20/01/2026 22:49

No. Absolutely no way.

You have a great house that suits you and your daughter. She’s the central pivot here. She’s 10, he doesn’t live in her house, so it’s much easier for her to get along with him.

You and her are safer, in every way including financially, by retaining your home and independence.

Have the best of both worlds; a happy secure home with your daughter and a partner who comes around and then goes. Let him buy his own place.

Agree with all of this.
You don't live together now. If it didn't work out you would be screwed.
He absolutely should buy his own house, you and DD can stay over. As she gets older things will change and your loving child at 10 can become a very sullen, rude, moody child and who knows how a new partner will react to that.
Keep your secure housing.

shhblackbag · 21/01/2026 06:46

Don't give up your daughter's security (and your own!) for a man. Just don't.

bronnibro · 21/01/2026 06:42

Don't do it, I've seen this scenario 3 times, I think it's crazy. You will be reliant on him for housing, overlooking things you wouldn't normally in a relationship because the stakes are much higher of splitting up, it sounds a nice house and set up for you and DD, id continue to date especially as has only been 2 years, and revaluate in a while, that security will be worth everything if things go wrong, hopefully they won't but many relationships do and things change so if I was you id keep hold of it, is any chance to extend for a extra room? I have a ha property and was allowed to convert a garage, you need permission but some things are allowed if that's a possibility at all to get a extra room/space

FirstdatesFred · 21/01/2026 06:42

Your daughter is on the brink of lots of changes so although they get on now, things are likely to be different in the next few years.

Also getting on is one thing, but sharing a home with an unrelated male all the time is something else.

If he has funds to buy a place, I agree the best thing would be for him to buy another small place really near you, in walking distance. So you all still have your own space but can easily spent time together.

NeverHadHaveHas · 21/01/2026 06:41

If you do this you need your bumps felt.

DelleLdn · 21/01/2026 06:41

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.

Presumably if he lives with his mum you and daughter never stay at his? Because that’s the solution he needs to look at - how’s he getting himself a bigger place/his own place, before asking you to give up your housing security. Such red flags for me that he’d even ask you to consider giving up your HA place!

Valeriekat · 21/01/2026 06:37

Oreoqueen87 · 20/01/2026 22:23

Two years is not long at all.

I’d be concerned about your partners motivations - like if getting out from his mum a big part of it. Why is he still living with his mum as an adult and not self sufficient? You don’t want to take that on and become the ‘next mum’.

I’d be keeping my place for a leasr another year or two. Security for your child comes first. Could he move in with you?

if he’s a good in he will understand you need to put your child first, and that means stability.

There isn't enough room for 3 of them! He has no space of his own so he wants her to give up her security and space to make him feel comfortable. What is he giving up?

dollyblue01 · 21/01/2026 06:35

You’d be absolutely crazy to do that, give it another year and see how you feel then.
He needs to live alone for a while and see how he is then.

muddyford · 21/01/2026 06:34

Not sure which way the voting is but you would be unreasonable to give up your secure tenancy.

Redcandlescandal · 21/01/2026 06:32

Absolutely do not give up your house. It suits your needs perfectly.

beAsensible1 · 21/01/2026 06:32

Don’t be bloody ridiculous. Such an unnecessary risk to your dd stability. If he has money to buy a house then he should buy one and you can visit.

he needs to sort his own life and house situation without expecting you to put in on rent or his mother to house him eternally.

TheGrimSmile · 21/01/2026 06:30

Your child should come first. So absolutely not. If you do, there's a good chance you'll be starting another thread in 2 years time, saying you want to leave because your teen and partner dont get along, but you have nowhere to go. You really need to be pragmatic here. Let him buy somewhere himself.

dazidoo · 21/01/2026 06:30

No don’t do it unless you get married or have financial security. You’ve only been together 2 years.
My friend did this, she was with him 4 years. Gave up her and her young son’s social housing home to move into HIS house. They split after 18 months and she ended up back at her mums for a year then ended up in a 2 bedroom flat not house

Matriarchofmenopausemansion · 21/01/2026 06:29

Sounds like a great place you have. I certainly wouldn't give it up. Especially as your daughter is settled. Agree with other posters...why is he living with his mum? ....