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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:
mommaham · 19/07/2026 11:11

prh47bridge · 19/07/2026 00:22

Some of what OP has said about the children's rights after her partner dies is clearly wrong. I don't know if her partner has misunderstood and given her the wrong information or she has misunderstood what he has said, but whatever his will says the trustees (who may or may not be his children) will not be able to require her to upgrade the property at her expense. Indeed, they can't even upgrade the property at their own expense unless she consents as she is a co-owner. That is the law. She must keep the property in good order, but she cannot be required to do any more than that.

Spot on !

mommaham · 19/07/2026 11:08

pikkumyy77 · 19/07/2026 04:35

No she wholly owns her own property.

You can't take one comment out of a long conversation and isolate it. Yes of course I know she has 100 % of her own property right now. If you had read the rest of my posts you would have seen that. We were talking about her having an imaginary 250k property to try to explain simple maths.

THisbackwithavengeance · 19/07/2026 10:52

It’s very fair. I can’t understand why you think it wouldn’t be.

prh47bridge · 19/07/2026 10:00

Onautopilot · 19/07/2026 01:23

Some posters have either not read or misread OPs second post...the children would be able to authorize 'maintenance' at TOTALLY the OPs expense and also veto any work done on the house they don't see as necessary. This could mean extensions, conservatories, redecorating bathrooms and kitchen to add value to their future inheritance; she couldn't say no without being evicted.
By extension, any 'spare' income from the sale of her 100% owned present home would be eaten up by these projects; if she sold to downsize she wouldn't be able to afford a new home.
Don't buy a joint property with him; he can leave his house to his kids. If you want to live with him, do it at either house but have no financial interest in each other's; get that in legally registered writing too.
The cynical part of me would also leave everything, apart from a token item or two, to charity! True colours are coming out now, they see you as a cash cow.

To repeat, the children cannot force OP to improve the house at her own expense. They can't even spend their own money on improving the house without her consent. Any attempt to evict her for refusing to agree to an extension, for example, would fail regardless of what it says in her partner's will. All she can legally be required to do is maintain the property in good order.

Also, if OP wants to downsize or move elsewhere, ALL of the equity in the jointly owned home would be available to her.

Wadsworthy · 19/07/2026 06:59

In complete agreement @Topseyt123 - I think we're talking at cross purposes & I apologise.

But it's the OP's DP who is the one who seems to be fixated on his DC having a say in the property.

I hope the clarity of your explanation is helpful to @Itisallgoingtobeok and also reassuring that there can be a trust set up just as you and your DH did. And I hope it's a tiny sliver of help to you in what must be powerful grief at losing your DH, that he & you were able to be so caring of each other as to set up the kind of trust you outline - I do think people (and it's often men/fathers) who don't do this renege on their final act of care towards their loved ones..

@Itisallgoingtobeok needs to show her DP Topsey123's posts - they explain clearly what should happen & how what he is suggesting is not fair to the OP.

I'm afraid if I were the OP, I would be a bit wary going into something like a house purchase & compromising my financial independence and security at the moment. But neither of them has had a chance to really think it through, and obtain independent legal advice.

pikkumyy77 · 19/07/2026 04:35

mommaham · 18/07/2026 22:20

But that's all she has now - half the value. 🤷‍♀️

No she wholly owns her own property.

Topseyt123 · 19/07/2026 03:24

Wadsworthy · 18/07/2026 23:37

At the moment OP is just fixated on the trust giving her partner's children his half of a joint property. She seems to believe that this gives them rights to dictate how she will live in her home. Which it doesn't. She still has agency over that.

Bit @Topseyt123 the OP is not fixated on her DP's half gong to his DC. She's said multiple times that she thinks this is the right thing, so I don't think that's a fair summation of @Itisallgoingtobeok 's concerns.

What she is concerned about is her DP's statement that his DC would have a say over how the OP lives in her home, because it is half his DCs'. THat they could require her to do renovations, or approve any changes she makes.

The charitable interpretation is that he's thinking about ways that his DC can ensure that the house is maintained in good repair. But @Itisallgoingtobeok is concerned that the DCs may look at her as an impediment to their inheritance, and see money, rather than that the house is half hers, and is her home.

According to the OP's posts, he sprang these ideas on her on Friday. It's very new, and she hasn't had a chance to talk to a solicitor.

@Itisallgoingtobeok I hope you've got some good ideas from the variety of responses on this thread. I hope you & your DP manage to find a way through: don't allow your concerns to be talked down. You have to look out for yourself, just as your DP is thinking about his DC (as he should be). Don't allow anyone IRL to say you are selfish or venal about this. You've worked hard for your financial security and you are perfectly entitled to want to preserve it.

@Wadsworthy you just disagreed with me and then said exactly the same thing I had. I did say that OP is concerned that the children could dictate how she lives in her own house. This is causing her to fixate on the trust.

I know she hasn't disputed that his half of any house is to go to his children. However, she didn't appear to understand that the trust is the main tool for ensuring that happens. But it doesn't confer actual ownership of the property. That would remain with OP.

The trust does not need to be, and should not be, set up to allow the children to dictate or have authority over anything and I myself now live under just such an arrangement. My children have no authority over what I do in my house. It's their share from their Dad that is protected by the trust. They don't have actual ownership. They don't make the decisions.

I've said all of that over several posts now and said that OP needs legal advice of her own to ensure that any wording of the trust is one she is comfortable with. If she and her DP cannot come to any agreement there then they shouldn't buy a place together.i

Onautopilot · 19/07/2026 01:23

Some posters have either not read or misread OPs second post...the children would be able to authorize 'maintenance' at TOTALLY the OPs expense and also veto any work done on the house they don't see as necessary. This could mean extensions, conservatories, redecorating bathrooms and kitchen to add value to their future inheritance; she couldn't say no without being evicted.
By extension, any 'spare' income from the sale of her 100% owned present home would be eaten up by these projects; if she sold to downsize she wouldn't be able to afford a new home.
Don't buy a joint property with him; he can leave his house to his kids. If you want to live with him, do it at either house but have no financial interest in each other's; get that in legally registered writing too.
The cynical part of me would also leave everything, apart from a token item or two, to charity! True colours are coming out now, they see you as a cash cow.

Blondeshavemorefun · 19/07/2026 00:23

mommaham · 18/07/2026 23:16

I don't know if that is her intention to leave it all to him. Is it?

It’s in op first post

prh47bridge · 19/07/2026 00:22

Some of what OP has said about the children's rights after her partner dies is clearly wrong. I don't know if her partner has misunderstood and given her the wrong information or she has misunderstood what he has said, but whatever his will says the trustees (who may or may not be his children) will not be able to require her to upgrade the property at her expense. Indeed, they can't even upgrade the property at their own expense unless she consents as she is a co-owner. That is the law. She must keep the property in good order, but she cannot be required to do any more than that.

prh47bridge · 19/07/2026 00:11

thereisnomeaning · 18/07/2026 22:29

Meanwhile house prices probably increase. When she comes to sell, let's say she wants to downsize to a more manageable property for age, she will have 50% the value of a full house. That may no longer be enough to buy a full house without a mortgage (which she won't get at that age) unless she's really seriously downsizing to something likely to be much less. Her options will be more limited. If she had 100% of the house value, she'd have far more options.

If she wants to downsize she will have 100% of the value of a full house. The fact that half the house is owned by the trust is irrelevant. She can still spend the full proceeds on buying a new house.

mommaham · 18/07/2026 23:37

KeepPumping · 18/07/2026 23:21

You don"t, no one knows that until they put the house on the market and get a completed sale. How you paid for the house is irrelevant, the general market is dictated by borrowing rates, and those seem very likely to rise, interest rates were super low in 2019, in terms of borrowing rates most people buying in 2019 definitely overpaid for their house, and cash buyers now are not likely to pay more than a mortgaged buyer lender valuation.

What I do know is what the same houses are selling for in my area. I also know that I have made a profit on all of the 6 properties I have bought over the years. Started in 1984. It's all about type of property and area too wouldn't you say?

Wadsworthy · 18/07/2026 23:37

At the moment OP is just fixated on the trust giving her partner's children his half of a joint property. She seems to believe that this gives them rights to dictate how she will live in her home. Which it doesn't. She still has agency over that.

Bit @Topseyt123 the OP is not fixated on her DP's half gong to his DC. She's said multiple times that she thinks this is the right thing, so I don't think that's a fair summation of @Itisallgoingtobeok 's concerns.

What she is concerned about is her DP's statement that his DC would have a say over how the OP lives in her home, because it is half his DCs'. THat they could require her to do renovations, or approve any changes she makes.

The charitable interpretation is that he's thinking about ways that his DC can ensure that the house is maintained in good repair. But @Itisallgoingtobeok is concerned that the DCs may look at her as an impediment to their inheritance, and see money, rather than that the house is half hers, and is her home.

According to the OP's posts, he sprang these ideas on her on Friday. It's very new, and she hasn't had a chance to talk to a solicitor.

@Itisallgoingtobeok I hope you've got some good ideas from the variety of responses on this thread. I hope you & your DP manage to find a way through: don't allow your concerns to be talked down. You have to look out for yourself, just as your DP is thinking about his DC (as he should be). Don't allow anyone IRL to say you are selfish or venal about this. You've worked hard for your financial security and you are perfectly entitled to want to preserve it.

KeepPumping · 18/07/2026 23:21

mommaham · 18/07/2026 23:07

You think I'm lying ? I bought the house for cash in 2019. I know what it can sell for now.

You don"t, no one knows that until they put the house on the market and get a completed sale. How you paid for the house is irrelevant, the general market is dictated by borrowing rates, and those seem very likely to rise, interest rates were super low in 2019, in terms of borrowing rates most people buying in 2019 definitely overpaid for their house, and cash buyers now are not likely to pay more than a mortgaged buyer lender valuation.

mommaham · 18/07/2026 23:16

SpaceRaccoon · 18/07/2026 23:13

He'll be inheriting a whole house from her if he outlives her.

I don't know if that is her intention to leave it all to him. Is it?

mommaham · 18/07/2026 23:15

thereisnomeaning · 18/07/2026 23:15

You just don't get it. Other posters seem to.

No you don't. I sincerely hope you never have to take sole responsibility for your finances. 😳

thereisnomeaning · 18/07/2026 23:15

mommaham · 18/07/2026 23:13

What the heck does that have to do with the fact that 250k in HSBC is the same as 250k in Barclays ? 🤷‍♀️

You just don't get it. Other posters seem to.

mommaham · 18/07/2026 23:13

thereisnomeaning · 18/07/2026 23:11

I could sell my house and buy a smaller one with the proceeds. I couldn't sell my house and buy a smaller one with 50% of it. OP shouldn't put herself in that position.

Edited

What the heck does that have to do with the fact that 250k in HSBC is the same as 250k in Barclays ? 🤷‍♀️

SpaceRaccoon · 18/07/2026 23:13

mommaham · 18/07/2026 22:54

What are those options though ?

Will she pay rent towards the new house?
Will she pay towards maintenance of the house while she lives there? Will she just sponge off him while pocketing her rental income?

Edited

He'll be inheriting a whole house from her if he outlives her.

thereisnomeaning · 18/07/2026 23:13

KeepPumping · 18/07/2026 23:12

Yep, and no idea how easy or difficult it will be to sell or how much it will sell for, ditto for the partner"s house, on the face of it this plan sees the OP boosting the partner"s children"s inheritance pot by throwing their house into the mix, but getting to live in whatever they manage to buy (some posters seem to think this is going to be some sort of dream home it sounds like?) in reality it could turn out to be a total PITA as they sell into a deteriorating market with mortgage rates likely to rise etc. This is just a bad plan all round for the OP.

Yes, exactly this. Too much uncertainty and no guarantees. OP needs to protect herself.

KeepPumping · 18/07/2026 23:12

SpaceRaccoon · 18/07/2026 21:45

At the moment she has a property she owns 100%.

Yep, and no idea how easy or difficult it will be to sell or how much it will sell for, ditto for the partner"s house, on the face of it this plan sees the OP boosting the partner"s children"s inheritance pot by throwing their house into the mix, but getting to live in whatever they manage to buy (some posters seem to think this is going to be some sort of dream home it sounds like?) in reality it could turn out to be a total PITA as they sell into a deteriorating market with mortgage rates likely to rise etc. This is just a bad plan all round for the OP.

thereisnomeaning · 18/07/2026 23:11

mommaham · 18/07/2026 23:09

It is most certainly not irrelevant .

Are you saying that you could not sell your house if you wanted to downsize if you were on your own and buy a smaller one?

I could sell my house and buy a smaller one with the proceeds. I couldn't sell my house and buy a smaller one with 50% of it. OP shouldn't put herself in that position.

mommaham · 18/07/2026 23:09

thereisnomeaning · 18/07/2026 23:04

That is so irrelevant. What is relevant is that I own a home, with my DH, that is worth an above average amount in a nice area. I don't even think I could buy another house without a mortgage with 50% of that. That is not a situation I want to be in when I'm elderly. Housing security is important.

It is most certainly not irrelevant .

Are you saying that you could not sell your house if you wanted to downsize if you were on your own and buy a smaller one?

mommaham · 18/07/2026 23:07

KeepPumping · 18/07/2026 23:04

I find that unlikely TBH, interest rates were very low 7 years ago.

You think I'm lying ? I bought the house for cash in 2019. I know what it can sell for now.

mommaham · 18/07/2026 23:06

Om83 · 18/07/2026 22:59

i feel the most obvious solution (other than the solicitor ensuring the wording that the children can’t interfere) would be to buy and own the house on your own, your partner keeps his money for his kids inheritance, and then if you really don’t have anyone else to leave it to then he inherits the house if you die first (then presumably his kids would go on to inherit your house from him when he goes)

then if he dies first the house is 100% yours and his kids get their inheritance straight away.

She loses out this way. This man would get to stay free in her house while he racks up interest on his money in the bank. Does he pay her rent ? Does he pay towards maintenance bills? How is this fair to the OP?