Is it risky to marry him?

[Whattheschitt]

Me and my fiancé are due to be married next year. We are both mid twenties with no children and will not have children in the future. He earns slightly more than me (3k a year) however i own the house we live in outright. The house is currently solely in my name.

I don't have anyone in my day to day life to give me practical advice. If i asked someone this they would scold me for being so unromantic.

I love my partner dearly, our plans, morals, wants and dreams are perfectly aligned and we get on great. I am not an idiot though and know things change.

My worry is my house, i couldn't afford a mortgage in the future or to have to give him any etc (my earning potential is limited due to disabilities I can't work full time).

Would you get married or am i being an idiot?

@Pikamoo

How does the value of his property compare to yours?

I'm not sure off the top of my head currently.

@Pikamoo

I'd suggest to him that he buys his brother out or alternatively they sell the house and then he can buy his own place. Then he'd have no need to want your house.

He has a legal agreement between him and his brother that they allow his aunty to live in it until she choses to move or passes away. After that they will sell it

@TiredButDancing

Go see a lawyer. According to MN, him just living in your house is a risk so I'm not sure that marriage is the issue. If you want to protect your asset, a lawyer is the way to do it.

Him "just living in" the house isn't an issue. Neither is it an issue if he pays rent or contributes to the bills. It is an issue if he puts any time, money or effort into the house that could be seen as improving it or contributing to increasing its value, eg decorating, renovating the garden, extensions because then he has invested in it and could pursue a claim on it if he chose to.

OP, I would get legal advice.

Honestly I wouldn’t marry.

Marriage is predominantly a financial agreement, its basically a contract that guarantees a legal financial split for both parties.

That contract would negatively impact you, so there is no way I would do it.

Ok well his half of that house could potentially also become a marital asset BUT as it's an inheritance if he never spends any as martial money then it could actually be protected.

@RandomMess

Ok well his half of that house could potentially also become a marital asset BUT as it's an inheritance if he never spends any as martial money then it could actually be protected.

Also, if his house is instrumental in housing the aunt, and if his brother later has kids (i.e. OP's partner's nieces and nephews) but you each don't have any kids, he would have a greater long term "needs" argument in a divorce and could still walk away with his house intact and a settlement from OP depending on the respective valuations.

There is zero benefit to this for the OP and only risk (and possibly a future mortgage or forced sale).

In your position I wouldn't marry.

Get legal advice and follow it to the letter. So if lawyer says not to let your partner spend money on a new kitchen or similar for the house then take that advice.

Personally I wouldn't.
Friend was in this situation. House owned well before him, got married, caught him having an affair a 4 years later, he got 70% of the house (he was a low earner, no kids involved).
We were shocked he even went for the house, things get messy during divorce.

If you see a long term future with him, he makes you happy and you want to marry him then go for it.
But speak to a solicitor first about your financial situation and how best to protect yourself.

Don't marry him and risk losing your house. I wouldn't even ringfence your assets
He might well say he wouldn't take anything but things turn nasty during divorce and you never anticipate how much things can change
I've been there, and my ex fought me for every penny