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AIBU?

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Original poster

How to advise DD

109 replies

cupfinalchaos · 01/06/2026 16:53

Dd 29 been with partner 5 yrs and they rent together. Neither of them are particularly high earners and dd assumed if they got married they would get a mortgage together. Partner’s dad has now decided to help his son buy a house via a trust fund- so the trust would be taking out a mortgage. It transpires his dad is a very wealthy man. I don’t blame him with the divorce rate as it is. They would both be living there and partner would not want dd to pay rent.

Aibu to help her get a small buy to let so she has something in her (or the mortgage lender’s!) name? We can give her a small deposit. I’m not sure what to do for the best.

OP posts:
Original poster
cupfinalchaos · 01/06/2026 17:08

Ablondiebutagoody · 01/06/2026 17:05

Why a btl? House prices have been falling for years adjusted for inflation and are likely to keep falling for a long time in my opinion. Also, being a landlord is a massive pain in the arse.

I would advise her to stick her rent money and anything you gift her into a stocks and shares ISA.

Thank you.. will speak to dh about that as dd wont know what she’s doing!

OP posts:
HateThese4Leggedbeasts · 01/06/2026 17:08

I won't do a BTL particularly as it's a lot of hassle and not particularly tax efficient. She can invest in other things though including using the money she "saves" from not paying rent.

RandomMess · 01/06/2026 17:07

Why don’t they consider buying together but in unequal shares? The trust buys his share she pays for her share via mortgage?

Original poster
cupfinalchaos · 01/06/2026 17:07

YouPromisedToStopPosting · 01/06/2026 16:59

That’s exactly what I would do in this situation, it means she invests the money she’ll be saving in rent in property and gives her a fall back position in case the relationship breaks down.

Thank you.. Dh says if the relationship fails though and she meets someone else, she won’t be able to get another mortgage for a home on top of the buy to let.

OP posts:
Stillreadingalot · 01/06/2026 17:05

If she's not required to pay rent then she should either buy a property to rent out or be saving that money each month/putting in her pension/investing to have savings in her in name. Being a landlord is not as straightforward as it was before changes to legislation nor as profitable - she'd probably make the same return by saving/ investing with less hassle.
Edited for typos

WhiskyCollins · 01/06/2026 17:05

Does your daughter want to be a landlord? It’s a big commitment and responsibility (or should be!).

Is there not also a risk in the event of divorce that a buy to let (in her name) could be considered a marital asset whilst their home (in the trust’s name, not his) wouldn’t be?

It seems to me that even on a moderate salary, with no accommodation costs she could start building up her own financial independence - I’d encourage her to do this and look into getting her a financial advisor. Or find somewhere to stash the deposit to be released to her to start again, in the hopefully unlikely event they did divorce.

Ablondiebutagoody · 01/06/2026 17:05

Why a btl? House prices have been falling for years adjusted for inflation and are likely to keep falling for a long time in my opinion. Also, being a landlord is a massive pain in the arse.

I would advise her to stick her rent money and anything you gift her into a stocks and shares ISA.

NotAChanceIn · 01/06/2026 17:03

But if she has the buy to let in her name and they divorce he can come after that as a marital asset. :( whereas his house is protected. Unless they agree to a pre-nup - which whilst I appreciate isn't legally binding completely, does still carry some weight.

YouPromisedToStopPosting · 01/06/2026 16:59

That’s exactly what I would do in this situation, it means she invests the money she’ll be saving in rent in property and gives her a fall back position in case the relationship breaks down.

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