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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To want to contribute financially to our new house

105 replies

WestLondonWoman · 10/06/2026 21:38

Parents who have set up home with a new partner, I'd really appreciate some thoughts and insight please.
I've met a lovely man, a widow and we've been together for 3 years. I never wanted children but have been accepted by his children ( late teens/ early 20's, in education or working, all living at home) and love them absolutely.
We don't live together at the moment but I spend every weekend and sometimes midweek nights at his. I contribute financially to both household and children. We are 40 miles apart and haven't moved in together yet because of a legal easement issue with my Victorian property which is proving a tiny but incredibly difficult problem to resolve so I can't go on the market.

We have found the perfect house in his area which I love, but he seems to want to buy himself and not jointly. For context he is much wealthier than me but I could contribute 25% now from savings and more when I sell my house.
I have a good job, own my own home, car etc no debt whatsoever and very decent six figure savings.
Should I accept that he is probably* safeguarding his children's future inheritance or listen to my internal want to own at least a percentage of the house I will call home? Or is owning a percentage the emotional and financial messiest situation? What I want to avoid is a) me feeling like a visitor or b) he makes reference only to 'my' house.

We are discussing this weekend, I would appreciate outside input before then so I have a balanced view. At the moment I oscillate between thinking I can invest my savings and the proceeds from my house sale to afford to contribute towards a comfortable lifestyle where I'm not dependent on him, or feeling beholden to living in a house I don't own.
For the record, he is amazing, very loving and generous and that his children are his priority is a given and amplified by parental bereavement.
YABU - he is safeguarding his children's future and you are massively over-thinking this
YANBU - living in a house you don't have some ownership of doesn't work

OP posts:
New posts on this thread. Refresh page
TwinklySquid · 12/06/2026 12:56

I would not move in with him if you don’t have any legal rights . All sorts could happen and it’s messy.
Could, once your house is sorted, move closer?

StandingDeskDisco · 12/06/2026 08:45

WestLondonWoman · 11/06/2026 21:29

Thank you all. You have helped me to gain perspective in all areas, particularly not being beholden and overly grateful. I'm going to see through my own property issue and then purchase a buy-to-let as a supplementive income and refuge if he dies before me.
Thanks all. I'm aware of heing outed so leaving now.

Good to hear.
Just be aware that the legislation about being a landlord has tightened, and it is not easy. If you suddenly needed the buy-to-let to move into yourself, it might not be possible without a very long wait due to tenants' new rights.
Consider investing in other assets instead of property.

Beigepjs · 12/06/2026 07:02

CoffeeTeaa · 12/06/2026 06:38

Why are you giving him £200 a month when you don’t live there?? You’re a weekend guest. It’s also ridiculous that you’re sending the eldest £600 a year and paying for the youngest’s mobile phone. Red flag that your wealthy boyfriend accepts this. You also sound desperate for your boyfriend’s and his children’s approval.

I agree.
I can definitely imagine bringing a couple of bottles of wine to a boyfriend's house, and did when i was going to stay my now husband for the weekend.

But paying to be in his house, having travelled there, spending 700 a year on his children, of a wealthy man?

Desperation and really making little of yourself.

Very strange to be doing both these things.
Desperation is not a good look.

Pull back OP.
Read "Women who love too much." By Robin Norwood.

CoffeeTeaa · 12/06/2026 06:38

WestLondonWoman · 10/06/2026 22:31

Thank you for your replies, they are very much appreciated.
To answer your questions:
I contribute a standing order to contribute to food and utilities that outweighs how much I use. £200 a month for and he has never asked for this, rather I have insisted to avoid feeling a heel when he pays at the till, plus £50 a month for one at uni and £13 per month for youngest's mobile contract because they're on my account to make it cheaper. Both these things are new and at my instigation.

Why are you giving him £200 a month when you don’t live there?? You’re a weekend guest. It’s also ridiculous that you’re sending the eldest £600 a year and paying for the youngest’s mobile phone. Red flag that your wealthy boyfriend accepts this. You also sound desperate for your boyfriend’s and his children’s approval.

SemiRetiredLoveGoddeess · 12/06/2026 04:12

You.say that you contribute financially to his household when you stay there.
Food bills etc.

But why are you contributing towards his children.
In what way?

WestLondonWoman · 11/06/2026 21:29

Thank you all. You have helped me to gain perspective in all areas, particularly not being beholden and overly grateful. I'm going to see through my own property issue and then purchase a buy-to-let as a supplementive income and refuge if he dies before me.
Thanks all. I'm aware of heing outed so leaving now.

OP posts:
Rhaidimiddim · 11/06/2026 21:04

CarpetofBluebells · 10/06/2026 21:58

"I contribute financially to both household and children"
This jumped out at me, why are you contributing a penny to his children? You said he's wealthier than you so this makes no sense.
Contributing to the household is strange too while you are not actually living with him. Obviously pay your way with food, but anything else while you still live separately seems OTT to me.

Edited

This 100%

Onetimeusername1 · 11/06/2026 20:55

And for god's sake if you do sell your house and not buy another, put your money into an investment that will keep up with house price inflation and doesn't have mad swings or you may price yourself out of a similar house to the one you have now in the future.

Onetimeusername1 · 11/06/2026 20:51

Could you get a smaller house near wherever he's buying and then rent a spare room (£7k a year tax free). You would have to live there at least part of the week though but maybe it would be nice to have a break during the week, you could bring your partner with you and both have a break from the kids!

Other than that do not over contribute to his nest egg. Only pay for your proportional utility spend and food.

outerspacepotato · 11/06/2026 20:27

What have you actually sat down and discussed? Has he asked you to come and live in the new home?

It sounds like he's buying a permanent home for him and his kids and he's going to be leaving it to them. He's a lone parent now and he's going to be even more focused on securing their future because of that, not yours. He's not likely to want to share the ownership with you. You're going to have to secure your own future because you're not his priority.

It sounds like living in his home will bother you and that's going to be a problem for you. But this is a man whose marriage ended because of death, not any incompatibility. He likely feels an even stronger responsibility to his kids and to secure their future because of that.

It also sounds like he's using you a bit. He wants the Girlfriend Experience and that's it. He doesn't want real and lasting and permanent ties. There's the money he and his kid accept. I can see bringing food over but paying for a house you don't even live in, no, unless you're there full time. He should be paying for his kids. Having you give them monthly money really is weird.

Hildegard25 · 11/06/2026 20:17

Icecreamisthebest · 10/06/2026 22:47

The fact that he's willing to accept your money for consumables for his children that he could clearly easily afford himself but wants to buy solo is a bit of a red flag for me I'm afraid.

It does not sound like he has been willing to communicate openly and clearly with you about the reason for this and also hasn't been willing to discuss how you would be protected from being evicted from the home with no notice or how you can work towards your own financial security. If he does not want to you buy together then why are you selling your house? Why not rent it?

I think it's fair enough if he wants to buy separately given you have never lived together but there seems to be a real imbalance of risk here. It's all on you while he continues to sit pretty.

You're clearly a very generous and thoughtful person. Is he?

This definitely!!!!

HaveYouFedTheFish · 11/06/2026 19:52

I'm not sure the OP is coming back - even though everyone is sympathetic towards her and pointing out that she should look out for her interests, it's not what she wants to hear...

The partner is right not to want to own jointly though - someone always comes out badly where a parent of adult children remarries. Often it's the children who end up losing their inheritance to the new girlfriend, so tbh all credit to a dad putting his young adult children first after their mum has died.

He shouldn't be accepting money for his child's phone bill and the random £50 a month for the university student though! To be honest that's really quite an odd arrangement, especially as their father is able to afford to support them.

Pessismistic · 11/06/2026 19:42

Hi op I know a couple who did this they split up after nine years and the one who didn’t own had to leave to start again. I think it depends on if you see it forever then something happens to him will you be kicked out? Grief and losing your home don’t go well together. I think it’s very kind of you paying what you do now. You need to look at the bigger picture if you move in will you pay half the bills and nothing towards the up keep what if you wanted to decorate or buy furniture will you be allowed sometimes you are living like a guest in a house that is meant to be your home.

cupfinalchaos · 11/06/2026 19:24

CoconutSnowball · 11/06/2026 13:51

Why on earth would you be contributing anything to your wealthier partner’s children?!

This!! Or perhaps why on earth would he accept it?

Restlessdreams1994 · 11/06/2026 19:07

Keep your finances separate.

Either keep your house and let it out or invest your savings so that you have money to buy a place of your own if you split up.

Three years is nothing and he has financial responsibilities to his children so definitely don’t rush in to joint property ownership.

LadyVioletBridgerton · 11/06/2026 19:04

Why don’t you rent out your own place? If you don’t own any of ‘his’ house then you need to be clear that you won’t take any financial responsibility for repairs to the house because you won’t benefit from it.

Coconutter24 · 11/06/2026 19:01

The money he will be using to buy a new house, he and his late wife will of earned that so by not buying a house with you he’s protecting her legacy and his children’s inheritance

Coconutter24 · 11/06/2026 18:59

randomchap · 11/06/2026 07:00

£200 per month for food and utilities? Seems low to me.

For weekends and the odd week night it doesn’t seem that low

Sometimessmiling · 11/06/2026 18:21

BatshitIsTheOnlyExplanation · 10/06/2026 21:42

I wouldn't generally say this, but in this particular case I think it would be wise to keep your finances separate and just live with him in his house. His DC might live there for many years and he is providing a base for them as adults. What if you keep your place and rent it out? Or sell it and invest the money?

Agree and he's probably thinking about how he writes a will. He has dependants

CoconutSnowball · 11/06/2026 13:51

Why on earth would you be contributing anything to your wealthier partner’s children?!

CarerBurnout · 11/06/2026 13:32

This may be a good moment to rethink the finances. You say "our house" in the thread title but he's buying himself a house and letting you live in it, that's not your house.

I think you're at risk of seeing him as your priority and your future while he naturally sees his children that way. It's very nice that you say you all get on so well, but if you split up or he died first, you'd likely find that the children fade from your life, as they would anyway when they leave home and start their own families. Unless he wants to marry you and buy the home together then you must realise that he wants to limit the relationship. Only you can decide whether that's okay.

Anyway, now is a good time to discuss finances as a whole, including your contributions.

outerspacepotato · 11/06/2026 13:15

He is going to protect his kids' inheiritance. That is the first thing you need to remember.

Move in but keep finances separate and invest, invest.

Why are you giving his adult kids money and doing a phone contract for one? You're their dad's GF, not a relative or family member. You're paying a few hundred towards a household you don't live in. That makes no sense to me. I agree with others that you're overcompensating here or feeling like you need to buy your way in. He sounds like he might be tight if he's taking your money and so are his kids when he's so much better off.

You need to take steps to protect your future as well. I think you'd do well to see a financial adviser (with fiduciary duty if you have that there).

WeatherOrNothing · 11/06/2026 13:00

BoxOfCats · 10/06/2026 21:48

I think you need to make sure you protect yourself here. Either wait until you can sell before you buy with him, or keep your current place and rent it out.

This, he is right in that he wants to protect his kids inheritance. I would live with him and keep my house. You also don’t want to battle with his kids if he wasn’t around. Very wise to keep yourself secure financially

Peonies12 · 11/06/2026 12:56

BatshitIsTheOnlyExplanation · 10/06/2026 21:42

I wouldn't generally say this, but in this particular case I think it would be wise to keep your finances separate and just live with him in his house. His DC might live there for many years and he is providing a base for them as adults. What if you keep your place and rent it out? Or sell it and invest the money?

Agree with this. Please keep your house.

rellylivesthere · 11/06/2026 12:55

Besidemyselfwithworry · 11/06/2026 09:40

I’d keep my own house and rent it out as a bare minimum, but if he doesn’t want to buy with you then you need to ask why.
he will want to protect his children but this can all be sorted out by tennants in common and other legal paperwork and this says to me he’s maybe wanting to keep things separate perhaps?

Tenants in common uses a percentage split based on equity contributed. It's very messy if one dies or relationship ends. They would have to buy each other out or sell to release the likely 50 per cent share. Why would he do this if he can comfortably buy by himself?

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