Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

AIBU to feel uneasy about my partner's inheritance plan?

660 replies

Itisallgoingtobeok · 17/07/2026 10:02

My partner and I are planning on moving in together. We will each sell our separate properties and buy one together 50/50. He is a widow with 2 DC in their mid twenties. I don't have children.

We are starting to talk about how we would set up finances, and one issue that has come up is that if he dies first he wants his half of the house to pass to his children in trust, whilst I remain able to live in the property until I sell or die. They would then inherit their Dad's half when I die, or get their half if I sell. My half is for me to decide who inherits. FWIW, I would leave my half of the house to him.

This doesn't sit well with me. If he dies first, then half of my home is owned by others. I get on well with them, but I have no idea if they would want to maintain a relationship with me after their Dad's death.

Part of me completely understands why he wants to leave his children his share, but it leaves me in a really tricky position. I really don't like the idea of this at all. AIBU? What have others done in this position? I can't be the first person to have this problem!

OP posts:
99bottlesofkombucha · 17/07/2026 13:50

Itisallgoingtobeok · 17/07/2026 10:14

Thanks, this is why I can see his point. My worry is that the way he wants it set up is that they have a say in what I do to the property, I’m expected to pay for all upkeep and maintenance, which they can veto, or demand more if they want. I won’t have control over my own home. It just doesn’t sit right with me, although I can completely see his point. I think this could be a deal breaker for me.

I should have added he’s ready given them each a substantial lump sum to get them on the housing ladder

Nope, do not accept this.

Glowingup · 17/07/2026 13:49

andthat · 17/07/2026 13:44

He is doing the right thing by his children.

if you’re not comfortable, you shouldn’t buy together.

I’ve got a trust will with my husband for precisely this reason.. so my children are looked after and someone else can’t come along and claim what is theirs.

The irony being that this could very well happen if the children marry someone they later divorce. At least if you’re going to cut your spouse out of your will, make sure that you make proper provision that the inheritance goes to your children and their descendants only and insist they sign prenups.

HeyThereDelila · 17/07/2026 13:48

He’s being sensible and this is a very usual set up.

NorthernJim · 17/07/2026 13:46

QuickBrown · 17/07/2026 13:06

She could easily be in her 80s at that point. Having been close to my happy, fairly healthy Mum when she was bereaved mid 70s, she was not in a fit state to be moving house. Bereavement knocks you for 6. Being old can do the same. OP needs to look after her own future interests. Likely her partner isn't thinking about 80 year old OP, he's thinking about her as she is now, strong and independent, and his kids as the vulnerable parties.

Personally I wouldn't even buy a house 50/50. Joint tenants only. She doesn't want to be financially joined to someone else's kids, because it is stressful at 40, and doesn't get less stressful when she gets elderly and mired in grief.

I get that, but you can't have your cake and eat it. If she wants the luxury of benefitting from the bigger/nicer property that her partner's equity brings to the table then the compromise is that she needs to accommodate it not being permanent - either to relinquish his share when the time comes, or cope with his children having an involvement.

Op seems to be wanting her partner to write his children out of his will and leave everything to her. I'm pretty sure if someone posted on here in her partner's situation they'd be strongly advised not to write their children out of the will. The only way to be sure the children will inherit is to leave it to them in your will, not rely on a new partner to do it later on.

andthat · 17/07/2026 13:44

Itisallgoingtobeok · 17/07/2026 10:14

Thanks, this is why I can see his point. My worry is that the way he wants it set up is that they have a say in what I do to the property, I’m expected to pay for all upkeep and maintenance, which they can veto, or demand more if they want. I won’t have control over my own home. It just doesn’t sit right with me, although I can completely see his point. I think this could be a deal breaker for me.

I should have added he’s ready given them each a substantial lump sum to get them on the housing ladder

He is doing the right thing by his children.

if you’re not comfortable, you shouldn’t buy together.

I’ve got a trust will with my husband for precisely this reason.. so my children are looked after and someone else can’t come along and claim what is theirs.

Travelodge · 17/07/2026 13:42

It sounds perfectly reasonable to me. It’s the normal arrangement in such circumstances, in my experience. You’d just need to make sure that it’s clear what would happen if structural repairs or big redecoration/maintenance to the house were needed: would the children have to contribute?

DisforDarkChocolate · 17/07/2026 13:42

It is normal but not without issues you should address now.

Who pays for maintenance if they own half the house?

How long could they potentially wait for their inheritance, a long wait may lead to resentment.

Gat some good practical advice and speak to his children too

PrincessofWills · 17/07/2026 13:34

Glowingup · 17/07/2026 13:33

The issue is that she could be 80 with limited mobility and not in a position to sell up and move easily.

Then she doesn't.

Glowingup · 17/07/2026 13:33

TheCurious0range · 17/07/2026 13:32

But if she wants to cut ties which seems to be the biggest issue, that's the way to do it. He dies you sell up , give them his share and move on in a place that's sole ownership

The issue is that she could be 80 with limited mobility and not in a position to sell up and move easily.

TheCurious0range · 17/07/2026 13:32

PrincessofWills · 17/07/2026 13:22

See my above point. The poster is entitled to ALL the proceeds from the property if she sells and can purchase any property up to the value of the current house. If it is less, she has to account to the trustees for the money unused.

Make sure the trust is drafted in the most generous terms and that you have complete freedom to do as you choose. Clauses that seek to limit your ability to sell the property and buy something else are often void, and it would be foolhardy for the husband/partner to try to restrict the clauses.

Op I do feel you are going about this the wrong way. Treat it as a negotiation. See a solicitor - not the one acting for your partner, and ask them about clauses that can be included so you will be free to do as you please.

But if she wants to cut ties which seems to be the biggest issue, that's the way to do it. He dies you sell up , give them his share and move on in a place that's sole ownership

DillyDillie · 17/07/2026 13:32

Itisallgoingtobeok · 17/07/2026 10:14

Thanks, this is why I can see his point. My worry is that the way he wants it set up is that they have a say in what I do to the property, I’m expected to pay for all upkeep and maintenance, which they can veto, or demand more if they want. I won’t have control over my own home. It just doesn’t sit right with me, although I can completely see his point. I think this could be a deal breaker for me.

I should have added he’s ready given them each a substantial lump sum to get them on the housing ladder

This makes it different.
You need a solicitor to write something that favours you in the event of him passing and you needing to live there.
If the roof needs repair who will pay? You will probably have low income by then. most of your assets will be the house.
If you need to go into a care home you will need the house sold to finance it. You must not be left with no cash and the other holding up the sale, perhaps trying to buy you out at knockdown value.

5128gap · 17/07/2026 13:31

LouiseMadetheBestBroccoliPasta · 17/07/2026 12:56

Agree with all of this. His unreasonable demand that his kids have a say in how OP lives after he dies is revealing.

And OP saying,

"I suspect this may be a deal breaker for him. He wants to live together and get married."

also sounds demanding to me, like he's threatening that if he doesn't get what he wants, he'll ditch OP.

I'm not sure it's telling. It's fairly common to be clear on responsibility for the maintenance of a property in joint ownership in these circumstances.
The non resident owners do have a right to protect their share from any potential devaluing through neglect or changing the space. And the resident paying for maintenance is not unusual because they are getting the benefit of living in the property while the other owner/s isn't. Another way this can be managed is for all maintenance costs to be shared and the resident owner pays the non resident owner rent for the half share they don't own. But this is not popular with residents either.
Its all very messy unfortunately and selling up straight away is usually better.

Snugglemonkey · 17/07/2026 13:30

Itisallgoingtobeok · 17/07/2026 10:20

I would prefer we each left our respective halves of the to each other. The rest of his estate which is substantial (and roughly equal to mine) can go to his children. It’s about security of home for me.

Surely you can see why no parent would be ok with that. It just looks like you want to take their inheritance.

Glowingup · 17/07/2026 13:30

PurpleCoo · 17/07/2026 13:17

You are being extremely unreasonable. You want to do his children out of their inheritance. It's reasonable for you to be able to stay in the house until you die or sell, you have been provided for.

What happens to the house when you die if he dies first?? No guarantees the husbands half of the house will revert back to the children on your death.

People make wills like that to prevent stepparents getting their hands on the kids inheritance. Rightly so!

Why is she being unreasonable? People can do what they want when it comes to relationships and house purchases. She has no legal or moral obligation to buy a house with this guy if she doesn’t like what he is proposing. I don't think I would in her position. It’s not unreasonable of him to want to pass his interest to his children (although the terms he’s suggesting are) but he can’t force other people to agree to this. Heck, she could decide that she doesn’t want to buy a house with him because she doesn’t like the colour socks he wears.

Yesiamtiredactually · 17/07/2026 13:29

igelkott2026 · 17/07/2026 13:27

My aunt told them to whistle, but it's a consideration nonetheless. I don't know where they thought the care home fees had been funded from.

You’re exactly right and that’s a huge risk, which is why the trust and the lifetime interest is so important.

pikkumyy77 · 17/07/2026 13:29

Itisallgoingtobeok · 17/07/2026 10:14

Thanks, this is why I can see his point. My worry is that the way he wants it set up is that they have a say in what I do to the property, I’m expected to pay for all upkeep and maintenance, which they can veto, or demand more if they want. I won’t have control over my own home. It just doesn’t sit right with me, although I can completely see his point. I think this could be a deal breaker for me.

I should have added he’s ready given them each a substantial lump sum to get them on the housing ladder

Don’t do it. I don’t care whether it is the done thing I would never accept these terms or being treated as though my life in my hime was on suffereance.

Howmanycatsistoomany · 17/07/2026 13:27

fromthegecko · 17/07/2026 12:49

Or buy them out with your other assets. It's a lot to go through while grieving, though.

This is what I'm facing. The law has changed since we moved here (France) so DH can't leave his share of our property entirely to me. I'm not spending the next however many years pouring my heart and soul and hard earned money into this place, which was supposed to be my forever home, to have his DD own almost half of it if DH dies before me. But that's how it is. So we'll probably sell when we're finished the renovation and I'll buy somewhere 100% in my name.

igelkott2026 · 17/07/2026 13:27

Glowingup · 17/07/2026 13:25

Well then they can whistle. If it’s been spent on care fees, it’s been spent on care fees and no longer exists to be left through the will.

My aunt told them to whistle, but it's a consideration nonetheless. I don't know where they thought the care home fees had been funded from.

igelkott2026 · 17/07/2026 13:26

Fairyliz · 17/07/2026 13:19

Honestly I think he has misunderstood here; how on earth would this be enforceable. Eg I have had my kitchen for 20 years and it’s fine, my friend changes hers every 10 years who decides what is right? Do you spent £10k on a kitchen or £100k ?
There can’t possibly be an ‘right’ answer.

It's a good question. My mum has a neighbour whose cheeky son in law has his eye on her house and is constantly going on about how she should change the kitchen. She tells him he can change the kitchen when she'd dead and gone but he still apparently goes on. And he's the son in law, not her actual daughter. I'd be changing my will to leave it to my grandchildren.

PrincessofWills · 17/07/2026 13:26

Op why not ask for this to be moved to Legal Matters. There are a couple of solicitors who post on there. Aibu is not good. You are getting a lot of misinformation on here . . .

Glowingup · 17/07/2026 13:25

igelkott2026 · 17/07/2026 13:24

There's another issue here too. If your DP needs care and his half of the house is used for care fees. This happened with my uncle, who had dementia. His first wife died young and he had three kids. He remarried. When he died, my cousins still expected their half, but it had gone in care fees.

Well then they can whistle. If it’s been spent on care fees, it’s been spent on care fees and no longer exists to be left through the will.

PrincessofWills · 17/07/2026 13:25

Isitevensummer · 17/07/2026 13:22

OP, a lot of people are piling on here but it's really clear your problem is not with them inheriting. I wouldn't be happy with someone else having a say in what I have to do to my home or dictating what I spent money on. As you get older, you might not want to spend on a new kitchen, or live with the upheaval of it.

The house i bought last had not been updated since the 70s, as, according to the neighbours, the chap who lived here said he didn't see the point. It significantly reduced the asking price which is why I could afford it. I can see that people expecting to inherit with a view to maximizing that amount might have pushed for major but not strictly essential work like kitchen and bathroom replacement. I think any legal arrangement needs to spell out what is considered essential for maintenance.

Maintenance is exactly that, not betterment, but on the other hand op could improve the property with new kitchen, bathrooms etc if she wanted.

Chilly80 · 17/07/2026 13:24

As long as uou can live in the house until you die his plan is reasonable

igelkott2026 · 17/07/2026 13:24

There's another issue here too. If your DP needs care and his half of the house is used for care fees. This happened with my uncle, who had dementia. His first wife died young and he had three kids. He remarried. When he died, my cousins still expected their half, but it had gone in care fees.

PrincessofWills · 17/07/2026 13:22

TheCurious0range · 17/07/2026 13:10

So you sell it when he dies take your equity and buy somewhere of your own

See my above point. The poster is entitled to ALL the proceeds from the property if she sells and can purchase any property up to the value of the current house. If it is less, she has to account to the trustees for the money unused.

Make sure the trust is drafted in the most generous terms and that you have complete freedom to do as you choose. Clauses that seek to limit your ability to sell the property and buy something else are often void, and it would be foolhardy for the husband/partner to try to restrict the clauses.

Op I do feel you are going about this the wrong way. Treat it as a negotiation. See a solicitor - not the one acting for your partner, and ask them about clauses that can be included so you will be free to do as you please.

Swipe left for the next trending thread