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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

AIBU to charge my DD rent to live in a flat I have bought?

108 replies

Canadianskates · 19/03/2026 21:45

I am in the (fortunate / unfortunate?) position to have inherited some money after both of my parents died a few years ago. I am using it to purchase a small flat so my DD can live there when she is at university and since the cost of halls / private student lets is shocking. She would have a flatmate who would pay the market rate for rent but I’m struggling to think of if / what to charge DD.

She got a student loan in her first year and pays her halls from this. She also received some of the inheritance which will help with daily living costs across her whole degree so she won’t need a student loan each year.

Part of me wants to help her re hugely reduced or no rent but I also don’t think she should just have a lovely flat for totally nothing either. I don’t want her thinking she doesn’t need to work to get things or that money / flats just fall into her lap. It wouldn’t feel right to charge her the market rate either though.

I’m struggling what to do. AIBU to charge her rent & bills? She is 19 and plans to get a part time
student job too.

OP posts:
sesquipedalian · 19/03/2026 22:08

OP, decide what would be a reasonable rent, reduce it a bit and charge her that - then put it away for her towards a deposit for a house. That way, she will be in the same financial boat as her fellow students, but will have something saved up for later. You are in a very fortunate position to be able to consider letting her live rent-free, but university is as much learning how to budget and manage money as the academic stuff.

Minnie798 · 19/03/2026 22:07

I wouldn't. If I had the money to buy a flat for my dc to live in whilst at uni, I'd be doing it purely to save them/ us money on accommodation costs. So they'd live there rent free.

redskyAtNigh · 19/03/2026 22:02

Does she get a full student loan? If not, just don't give her the money you would otherwise use as the parental contribution in lieu of rent?

DeltaVariant · 19/03/2026 21:59

I’d consider a reduced rent vs market and saving it for her house deposit/car/whatever she needs later. If you can afford this.

NorthXNorthWest · 19/03/2026 21:56

Charge her a slightly cheaper rent and put the money aside (Don't tell her). She can use it to offset her student loan when when she finishes Uni, start a pension fund, savings etc

TheJoyousHiker · 19/03/2026 21:54

I certainly wouldn’t charge her any rent while she’s a student.

Tings · 19/03/2026 21:53

Well she should definitely pay for bills.

But letting her live there rent-free sounds fine imo.

Thingcanonlygetbetter · 19/03/2026 21:52

I pay for my child’s uni accommodation. I couldn’t charge her if I owned a flat and she was a student.