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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Please help family and rent

266 replies

limeandwater · 20/03/2026 10:10

Lurker of ten years plus, and looking for some anonymous and honest feedback.

Approx 5 years ago sister split from husband. On the surface they lived a very nice life, but long story short her ex had mortgaged everything against his business and they lost the lot and were left with nothing.

My husband and I are fortunate enough to have a number of properties. We let her and her two kids stay in one of our houses and used words to the affect "it's yours rent free for as long as you need it."

She met a man approx two years ago who we like and is good to her and the kids and 3 months ago she asked if he could move in. We said yes - but presumed rent would follow.

To give you some non specific info the man in question earns approx 60k per year and rents out the flat he was living in for £1600pcm which I imagine would more than cover his mortgage. They live a nice life if that matters. Holidays, meals out, etc.

We are in South East and the 3 bed house she lives in would rent at approx £2800 per month. My husband thinks its cheeky that no offer of rent has been made. He doesn't want or expect market value - and in fact would probably only want about half.

I agree with him, it's a bit cheeky, but then think back to our wording 5 years ago.

My husband is a lovely man and never gets angry, but last Sunday we went out for Sunday lunch and we split the bill. I could tell tell he was annoyed and asked him what was wrong - and he stated "he lives rent free in our property, he could have got lunch."

Who is right and what do we do?

OP posts:
EmeraldShamrock000 · 20/03/2026 14:43

Why have you left it this long. You need to toughen up.

limeandwater · 20/03/2026 14:42

Derbee · 20/03/2026 14:21

I could ever own multiple properties, not need the money from one rental in the slightest, and charge my sister rent.

It’s nice that you are wealthy. It’s also nice that your sister can have a nice life with the disposable income of loving rent free. She’s now going to be £1700 down a month, which you’ve said multiple times you won’t even notice.

Nobody has a right to live rent free, but if I was in your situation there’s no way I’d be charging her. If your situation is really as wealthy as you come across, I’d probably even think about giving her the property if she was my best friend, and I had multiple mortgage free properties (even due to hard work), knowing she won’t ever be able to afford something similar.

I love my sister, but our children's inheritance takes priority.

OP posts:
Lastgig · 20/03/2026 14:41

@PropertyD I didn't buy the property.

I felt that she was over egging the situation she was in. The bf is a builder and is earning big money when he's at work but wasn't prepared to pay a normal rent.

PropertyD · 20/03/2026 14:36

Lastgig · 20/03/2026 14:11

I've had a similar situation.

I am due to sell some shares and will have a tidy sum to invest. My niece has been a single parent so six months ago I offered to buy a house she could live in rent free with her children. The discussion was she would buy it from me later or pay rent if she was back to work.
Within six months she was asking if her new man could move in too and suggesting he couldn't pay rent as he was self employed. I've walked away and I've seen her once since Christmas.

With the niece still there??

Lastgig · 20/03/2026 14:31

The bf has a property currently let out. It's paying him rent. I would expect him to at least offer that. I understand the ops husband completely. My husband frequently gets upset when my family take advantage of me. For years I was the big earner and boy did I pay for everything.
I've learnt to keep quiet. My sister is certainly not my bff. She's a tight arsed bully who charges people interest if they borrow a tenner! Family let's are a nightmare. We had various relatives staying in our large property in the early 2000s. I wouldn't buy a big house like that again for that very reason. Windfall or not

PropertyD · 20/03/2026 14:29

Toomuchprivateinfo · 20/03/2026 11:55

Why is her sister entitled just because op is loaded?

My BIL has more money than most people could ever dream of, my husband doesn’t feel we’re entitled to any of their money or to any help from them just because they’re in a much more fortunate position. Because we’re not entitled, and neither is op’s sister. Her new partner is definitely not entitled.

I am not saying it’s right. It’s been going on for years!

I think the sister thinks like this

Shatteredallthetimelately · 20/03/2026 14:25

I'd imagine they presumed if you suddenly wanted to start charging for rent you'd have asked for it at the time.

He may have asked her about his part in contributing and been told its her's rent free, so no monies needed.

TBH I think your sister is the CF for not asking you if there would be any changes to the current agreement when she was asking if her DP could move in.

LoveWine123 · 20/03/2026 14:24

ReadingCrimeFiction · 20/03/2026 14:22

OP is still helping her sister massively by letting her live in what is clearly a large, family home in a good area for significantly below market value! She's just saying that now her sister has a partner, that a) she shouldn'e be entirely responsible for looking after her sister and b) she shouldn't be responsible for looking after this bloke.

Seems pretty easy to understand.

That I totally get. I guess I was confused about the fact that if the partner moved out they would go back to the sister not paying rent. Given it's been five years, the sister works and gets support from her ex, shouldn't she start paying something regardless of having a new partner.

limeandwater · 20/03/2026 14:24

LoveWine123 · 20/03/2026 14:18

I wonder why her partner moving in makes such a difference to your views on her paying rent. You said you wouldn't have expected her to pay if he hadn't moved in and you wouldn't expect her to pay if he moved out. I understand she is family and you want to look after her, but is that only if she is on her own? Is the partner not a good bloke?

He is a good bloke.

OP posts:
ReadingCrimeFiction · 20/03/2026 14:22

LoveWine123 · 20/03/2026 14:18

I wonder why her partner moving in makes such a difference to your views on her paying rent. You said you wouldn't have expected her to pay if he hadn't moved in and you wouldn't expect her to pay if he moved out. I understand she is family and you want to look after her, but is that only if she is on her own? Is the partner not a good bloke?

OP is still helping her sister massively by letting her live in what is clearly a large, family home in a good area for significantly below market value! She's just saying that now her sister has a partner, that a) she shouldn'e be entirely responsible for looking after her sister and b) she shouldn't be responsible for looking after this bloke.

Seems pretty easy to understand.

Derbee · 20/03/2026 14:21

I could ever own multiple properties, not need the money from one rental in the slightest, and charge my sister rent.

It’s nice that you are wealthy. It’s also nice that your sister can have a nice life with the disposable income of loving rent free. She’s now going to be £1700 down a month, which you’ve said multiple times you won’t even notice.

Nobody has a right to live rent free, but if I was in your situation there’s no way I’d be charging her. If your situation is really as wealthy as you come across, I’d probably even think about giving her the property if she was my best friend, and I had multiple mortgage free properties (even due to hard work), knowing she won’t ever be able to afford something similar.

WhatDaHell · 20/03/2026 14:18

Well, she doesn't really 'need' it anymore if her circumstances have changed. So yanbu

AnotherForumUser · 20/03/2026 14:18

Monty35 · 20/03/2026 11:31

Does your mortgage lender know she has been living there rent free ? If not you have contravened your mortgage if you have one.
You can allow someone to live in your property rent free but without paperwork as a landlord is not good practice at all. But you are familiar with rental and know this. I am sure you would definitely not want this to turn legal. Your sister and her boyfriend of two years now might see it differently.

The OP has already stated in a post at 10:35 that there was no mortgage on the property. If you click on the Read All links on any of her posts you can find it.

LoveWine123 · 20/03/2026 14:18

limeandwater · 20/03/2026 13:59

Agree re family obligation, and if it doesn't work out with partner then we would no longer expect any rent.

I wonder why her partner moving in makes such a difference to your views on her paying rent. You said you wouldn't have expected her to pay if he hadn't moved in and you wouldn't expect her to pay if he moved out. I understand she is family and you want to look after her, but is that only if she is on her own? Is the partner not a good bloke?

Lastgig · 20/03/2026 14:11

I've had a similar situation.

I am due to sell some shares and will have a tidy sum to invest. My niece has been a single parent so six months ago I offered to buy a house she could live in rent free with her children. The discussion was she would buy it from me later or pay rent if she was back to work.
Within six months she was asking if her new man could move in too and suggesting he couldn't pay rent as he was self employed. I've walked away and I've seen her once since Christmas.

limeandwater · 20/03/2026 14:09

Friendlygingercat · 20/03/2026 14:08

I can never understand why people feel obliged to allow family to live rent free in a property they currently own. At worst the family member (if they have no income) could claim some benefits to alleviate the situation. The point where your sisters BF was to move in would have been a good one to reset the boundaries and to set up the arrangement as an official tenency with the appropriate documentation. I would certainly not feel guilty about this. Who is currently paying for the council tax, insurance and so on?

She could have claimed benefits, but she would not have been able to stay in the area we live.

OP posts:
Netcurtainnelly · 20/03/2026 14:09

limeandwater · 20/03/2026 10:10

Lurker of ten years plus, and looking for some anonymous and honest feedback.

Approx 5 years ago sister split from husband. On the surface they lived a very nice life, but long story short her ex had mortgaged everything against his business and they lost the lot and were left with nothing.

My husband and I are fortunate enough to have a number of properties. We let her and her two kids stay in one of our houses and used words to the affect "it's yours rent free for as long as you need it."

She met a man approx two years ago who we like and is good to her and the kids and 3 months ago she asked if he could move in. We said yes - but presumed rent would follow.

To give you some non specific info the man in question earns approx 60k per year and rents out the flat he was living in for £1600pcm which I imagine would more than cover his mortgage. They live a nice life if that matters. Holidays, meals out, etc.

We are in South East and the 3 bed house she lives in would rent at approx £2800 per month. My husband thinks its cheeky that no offer of rent has been made. He doesn't want or expect market value - and in fact would probably only want about half.

I agree with him, it's a bit cheeky, but then think back to our wording 5 years ago.

My husband is a lovely man and never gets angry, but last Sunday we went out for Sunday lunch and we split the bill. I could tell tell he was annoyed and asked him what was wrong - and he stated "he lives rent free in our property, he could have got lunch."

Who is right and what do we do?

Do you need to ask. Couple of cheeky people. Get them paying some rent, now that ha s moved in and earning .
Is this for real. Why haven't you said anything?

Abitofalark · 20/03/2026 14:08

limeandwater · 20/03/2026 13:57

I suspect they will never be able to buy it.

Even if he is mortgage free (and I don't know that he is) the property is worth circa 3.5 times more than his aprtment.

Taking on an approx (and this is based on him being mortgage free) 700k mortgage in your mid 40's with a 100k household income doesn't seem achievable to me.

Depends on income and earnings potential - say if she worked full time as well. You can get long mortgages these days. Standard used to be 25 years and paid off by the age of 70 or 75 but some now have no upper age limit or it's 80, 85 and you can even take out a mortgage as a pensioner, all depending on affordability. Mid forties may be no barrier.

Arlanymor · 20/03/2026 14:08

limeandwater · 20/03/2026 14:01

No comment!

😅😆😉

Friendlygingercat · 20/03/2026 14:08

I can never understand why people feel obliged to allow family to live rent free in a property they currently own. At worst the family member (if they have no income) could claim some benefits to alleviate the situation. The point where your sisters BF was to move in would have been a good one to reset the boundaries and to set up the arrangement as an official tenency with the appropriate documentation. I would certainly not feel guilty about this. Who is currently paying for the council tax, insurance and so on?

MrsBennetsPoorNervesAreBack · 20/03/2026 14:06

I've voted yabu, not because I don't think they should be paying rent but because I think you should have explicitly stated that you expected rent when your dsis asked if he could move in.

You've been very generous to your sister, and yes, it's taking the piss if they can't even buy you lunch, but perhaps they think you're rolling in it and genuinely don't care.

Either way, I think the onus is on you to be transparent about your expectations. Decide how much rent you want and let them know. They can then decide if they want to keep living there on that basis.

limeandwater · 20/03/2026 14:01

Arlanymor · 20/03/2026 14:00

Did she buy the coffees?!

No comment!

OP posts:
Arlanymor · 20/03/2026 14:00

Did she buy the coffees?!

limeandwater · 20/03/2026 13:59

Abitofalark · 20/03/2026 13:57

Your sister did nothing wrong. She was told as long as she needs it. The disparity in wealth remains but it's never purely money: it's family obligation and even in that there are always emotions lurking on either side, such as envy, resentment, feelings of unfairness, being taken advantage of etc. which can upset the delicate balance of relationships.

If it were purely the money, you wouldn't charge rent as you don't need it and, arguably, she does. She still hasn't recovered sufficiently from being left with nothing to being able to buy a house, for example. So why charge rent? Ah, emotions - lunch and not offering rent on their side, which means not registering appreciation and gratitude or willingness to reciprocate with even small tokens of recognition of your consideration and gifts. And what of the delicate balance of her relationship with the new man who's only moved in three months ago? Potential there for more emotional undermining and destabilising of relationship and potential.

Agree re family obligation, and if it doesn't work out with partner then we would no longer expect any rent.

OP posts:
Abitofalark · 20/03/2026 13:57

Your sister did nothing wrong. She was told as long as she needs it. The disparity in wealth remains but it's never purely money: it's family obligation and even in that there are always emotions lurking on either side, such as envy, resentment, feelings of unfairness, being taken advantage of etc. which can upset the delicate balance of relationships.

If it were purely the money, you wouldn't charge rent as you don't need it and, arguably, she does. She still hasn't recovered sufficiently from being left with nothing to being able to buy a house, for example. So why charge rent? Ah, emotions - lunch and not offering rent on their side, which means not registering appreciation and gratitude or willingness to reciprocate with even small tokens of recognition of your consideration and gifts. And what of the delicate balance of her relationship with the new man who's only moved in three months ago? Potential there for more emotional undermining and destabilising of relationship and potential.