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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To worry about not having wills

54 replies

Orangesandlemons77 · 19/04/2026 14:39

DH thinks we don't need wills as we are married but I worry about what would happen if one of us was to die intestate.

We are both in our 50s. Don't have much savings but the house is paid off and worth around £400K and he has around £200K in a private pension.

How would this be divided without wills? I understand it is shared above £322K? Would this mean selling our home?

And there are some new rules coming in after 2027 that pensions are part of the estate, not sure if that will change anything.

He has stated in his pension it is to be left to me, but not sure how that would work out.

I think it sounds like a potential minefield and that we should get wills sorted. AIBU?

OP posts:
bilbodog · 19/04/2026 14:50

Do you have access to all money and savings accounts? If not you will find it really difficult to get access without a will. You may have to apply for probate to access lots of things and that can take a long time.

Orangesandlemons77 · 19/04/2026 14:47

We're not joint tenants, the house is in his name only.

OP posts:
hahabahbag · 19/04/2026 14:45

Pension instructions can be given to the provider, if you own your house as joint tenants ownership reverts to solely you outside of the will. Joint savings similarly are yours. A will is preferable but can be super cheap or even free, download an online template and follow instructions

ilovesooty · 19/04/2026 14:42

I think everyone should make a will, but that's a personal opinion.