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:
KeepPumping · 18/07/2026 23:04

mommaham · 18/07/2026 22:59

Why are you being so rude? You hope I will figure it out someday ? I'm not stupid about money. FYI yes I do own a house free of mortgage. It has increased in value by 20% in 7 years.

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

thereisnomeaning · 18/07/2026 23:04

mommaham · 18/07/2026 23:01

Please someone else explain to @thereisnomeaning that 50% of a house worth 500k is the same amount of money as owning 100% of a 250k house .

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.

mommaham · 18/07/2026 23:01

Please someone else explain to @thereisnomeaning that 50% of a house worth 500k is the same amount of money as owning 100% of a 250k house .

mommaham · 18/07/2026 23:00

thereisnomeaning · 18/07/2026 22:58

Totally separate issues. I think we found the daughter.

You can't answer the basic maths questions I asked so this is your response?

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.

mommaham · 18/07/2026 22:59

thereisnomeaning · 18/07/2026 22:44

Every other house on the market will also increase, not necessarily proportionately. I'm sure you'll figure it out one day. Do you own a home?

Why are you being so rude? You hope I will figure it out someday ? I'm not stupid about money. FYI yes I do own a house free of mortgage. It has increased in value by 20% in 7 years.

thereisnomeaning · 18/07/2026 22:58

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

Totally separate issues. I think we found the daughter.

thereisnomeaning · 18/07/2026 22:57

mommaham · 18/07/2026 22:54

@thereisnomeaning you are veering into different territory now and away from the actual pounds cost. Your 250k is worth the same in HSBC as it is in Barclays.

You don't understand long term economics do you? Good luck.

mommaham · 18/07/2026 22:54

thereisnomeaning · 18/07/2026 22:49

She needs full ownership of a home to make sure she has all the options. She might not be able to stay in the home she gets with her partner. Old age can change what kind of house you can physically cope with. Life is unpredictable and you need to be able to move with it if necessary.

I would suggest that if she wants to move in with her partner, she keeps her current home 100%, rents it out and it's always there for her. Her partner can buy the home they live in 100% and leave it 100% to his daughters. Then they are both in the clear.

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?

mommaham · 18/07/2026 22:54

@thereisnomeaning you are veering into different territory now and away from the actual pounds cost. Your 250k is worth the same in HSBC as it is in Barclays.

thereisnomeaning · 18/07/2026 22:49

mommaham · 18/07/2026 22:46

So tell me how do you propose she increases the value of her imaginary 250k house to cope with the future when she may want to downsize ?

She needs full ownership of a home to make sure she has all the options. She might not be able to stay in the home she gets with her partner. Old age can change what kind of house you can physically cope with. Life is unpredictable and you need to be able to move with it if necessary.

I would suggest that if she wants to move in with her partner, she keeps her current home 100%, rents it out and it's always there for her. Her partner can buy the home they live in 100% and leave it 100% to his daughters. Then they are both in the clear.

mommaham · 18/07/2026 22:46

thereisnomeaning · 18/07/2026 22:44

Every other house on the market will also increase, not necessarily proportionately. I'm sure you'll figure it out one day. Do you own a home?

So tell me how do you propose she increases the value of her imaginary 250k house to cope with the future when she may want to downsize ?

mommaham · 18/07/2026 22:45

thereisnomeaning · 18/07/2026 22:41

The housing market isn't static like that. Neither is the value of money. There's a reason for the indexing of things. 250K now isn't going to be worth the same in ten or twenty years. It also won't have as much buying power.

Get yourself mortgage free then look at what would happen if you wanted to move house. You'll find it's not quite as simple and you're unlikely to get another house for half the price of the one you have now, even if it's much smaller.

You don't seem to understand the basic point here. If she stays in her imaginary 250k house then the same will apply.

thereisnomeaning · 18/07/2026 22:44

mommaham · 18/07/2026 22:43

Of course not it will be worth more and she will get her money back plus her part of the increase in value it has made.

Every other house on the market will also increase, not necessarily proportionately. I'm sure you'll figure it out one day. Do you own a home?

mommaham · 18/07/2026 22:43

thereisnomeaning · 18/07/2026 22:42

Do you really think 125K is going to be worth the same in ten or twenty years?

Of course not it will be worth more and she will get her money back plus her part of the increase in value it has made.

thereisnomeaning · 18/07/2026 22:42

mommaham · 18/07/2026 22:39

Irrelevant. I'm just using figures to illustrate. Let's say she puts 125 k in the bank and she puts 125K towards the new house and he does the same. They buy a 250k house . Where is she losing money?

Do you really think 125K is going to be worth the same in ten or twenty years?

thereisnomeaning · 18/07/2026 22:41

mommaham · 18/07/2026 22:37

Ok answer these questions / what is 50% in pounds of a 500k house? What is 100% of a 250k house ? The answer is it is the same ! 250k . How is she losing money ?

The housing market isn't static like that. Neither is the value of money. There's a reason for the indexing of things. 250K now isn't going to be worth the same in ten or twenty years. It also won't have as much buying power.

Get yourself mortgage free then look at what would happen if you wanted to move house. You'll find it's not quite as simple and you're unlikely to get another house for half the price of the one you have now, even if it's much smaller.

mommaham · 18/07/2026 22:41

Coconutter24 · 18/07/2026 22:38

Could you either buy them out (if he dies first) or sell the house then you take your half his kids take theirs and you buy somewhere else

This is an option they can choose to do at the will writing stage. When I die the house is to be sold ... easy.

mommaham · 18/07/2026 22:39

thereisnomeaning · 18/07/2026 22:32

Who says they are buying a home twice the value of the one they have now each? If I'm considering my next move I'd rather than 500K to play with than 250K.

Generally speaking, if I were to sell my own home and move, I'd be moving sideways because the housing market has shifted. I need 100% out of my property to remain mortgage free. If I only have 50%, I'll need a mortgage for half the house. Obviously this will significantly affect my fiances or options for housing. It would be a serious downgrade in home and area.

Irrelevant. I'm just using figures to illustrate. Let's say she puts 125 k in the bank and she puts 125K towards the new house and he does the same. They buy a 250k house . Where is she losing money?

Coconutter24 · 18/07/2026 22:38

Itisallgoingtobeok · 17/07/2026 10:31

I don’t want the DC contributing financially as that would give them a say. It all feels very awkward to me.

I’ll happily write my will to leave them his and my share (I don’t have any family at all).

I will see a solicitor, but I suspect the answer is don’t buy a place together.

Could you either buy them out (if he dies first) or sell the house then you take your half his kids take theirs and you buy somewhere else

mommaham · 18/07/2026 22:37

thereisnomeaning · 18/07/2026 22:33

Because I own a home and I've looked at what is needed to downsize. It's not as simple as you seem to think. Heard of inflation?

Edited

Ok answer these questions / what is 50% in pounds of a 500k house? What is 100% of a 250k house ? The answer is it is the same ! 250k . How is she losing money ?

thereisnomeaning · 18/07/2026 22:33

mommaham · 18/07/2026 22:32

She will have the same monetary value - how can you not see this ?

Because I own a home and I've looked at what is needed to downsize. It's not as simple as you seem to think. Heard of inflation?

thereisnomeaning · 18/07/2026 22:32

mommaham · 18/07/2026 22:29

People don't seem to understand that 50% of a 500k property is the same value as 100 % of a 250k one. 🤷‍♀️

Who says they are buying a home twice the value of the one they have now each? If I'm considering my next move I'd rather than 500K to play with than 250K.

Generally speaking, if I were to sell my own home and move, I'd be moving sideways because the housing market has shifted. I need 100% out of my property to remain mortgage free. If I only have 50%, I'll need a mortgage for half the house. Obviously this will significantly affect my fiances or options for housing. It would be a serious downgrade in home and area.

mommaham · 18/07/2026 22:32

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.

She will have the same monetary value - how can you not see this ?

thereisnomeaning · 18/07/2026 22:29

mommaham · 18/07/2026 22:27

Let's say her current home is worth 250k . She then matches this with his 250k so they get a much nicer property. At the end of the day she still has her 250k plus any profit. 🤷‍♀️

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.

Swipe left for the next trending thread