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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To my half siblings shouldn’t get 50% of my parent’s house?

282 replies

reannneeee · 15/07/2021 01:06

Paternal half siblings. They are 20 and 22 years older than me. Their mum joint owns with their stepdad and she was better off after the divorce as he left her the house. Me and my full brother raised in social housing as my mum and dad always struggled for money.

My parents ended up expressing a wish to purchase their property with Right To Buy in my late teens. They had a fair amount saved up but nowhere near enough. The property is in a desirable area and I saw it as a steal to get it with the Right To Buy Discount, so I agreed to save up and then give the money to my parents to use to be able to use Right To Buy. I ended up providing about 75% of the money (it took a good few years and meant I spent bugger all on fun and delayed my own life events) used for it. My full sibling has a learning disability and can’t live independently. The deal between me, my mum and dad was if I helped them to be able to buy the house, once they go I could have it and use 25% of the money on supporting my brother. None of the house is mine legally but we knew it’d benefit me and my brother in future if I helped them buy it now.

This was a few years ago. DF has now decided to write a will, he isn’t ill but wants to in the event of a sudden death. He has decided he’d feel guilty doing the original plan and excluding his older children. He now wants us to have 25% of the house each. He says that my financial support in making it possible for them to buy the house is negated by the fact that they let me live there rent free. I’ve not expressed this to him but I’m quite annoyed. My mum was also the bigger contributor for their portion of the deposit out of the 2 of them. I also know that when they go, all of the care for DB will go on me. I’ve already been told I’ll be his power of attorney, will manage his money etc. My half siblings are significantly older with their own well established lives. Mum is upset as well but doesn’t want to rock the boat.

Aibu to think DF is being unfair?

OP posts:
RoseMartha · 15/07/2021 19:39

Your parents could sever the joint tenancy. They would need to have legal document drawn up.

Then your mum should be able to leave her half to you. Your dad can divide his into 4.

www.geoffreylurie.com/property-ownership-query-joint-tenancy-whether-to-sever/

GreyhoundG1rl · 15/07/2021 19:44

[quote RoseMartha]Your parents could sever the joint tenancy. They would need to have legal document drawn up.

Then your mum should be able to leave her half to you. Your dad can divide his into 4.

www.geoffreylurie.com/property-ownership-query-joint-tenancy-whether-to-sever/[/quote]
Seems the most sensible suggestion.
Is your Mum on your side, op?

timeisnotaline · 15/07/2021 23:50

@reannneeee

DF says I’ll probably get more than the money I put back in from price rises anyway so doesn’t see what I’m ‘moaning’ about. DB and half siblings will get the same so happy days Confused Doesn’t see why I’d want the £42k back when I’ll probably get more in my 25% share. It isn’t fair though. DB wasn’t able to help them by the house, my half siblings didn’t (not that they did anything wrong in not doing so), I helped them! They point blank wouldn’t own it without me!

And me getting more than my 42k from my 25% share isn’t guaranteed. They could decide to build bloody HS2 100 metres away for all we know. I know I should have considered that back when I decided to do this but I was only 18. They say me down and said “Would you like to help us do this as a great investment for your future?”.

I am so angry.

Wow. They manipulated their barely adult child into buying them a house and your dad now wants to trick you out of your fair share. I’d go nuclear- not sure I’d care about the relationship with a dad who can do that. I hope you can express how you feel.
Mummyoflittledragon · 16/07/2021 02:51

My initial thought on the idea of severing a joint tenancy was great. But what happens if ops dad dies first and the 2 step children each holding 1/8 share demand part of the property while op’s mUm is dtill alive?

You don’t need to pay to have a legal document drawn up to sever a joint tenancy. A letter making this clear to the other party will suffice. Plus informing the land registry via .form SEV. More info online.

reannneeee · 19/07/2021 21:43

Oh ffs bloody brilliant

OP posts:
Wegobshite · 20/07/2021 06:48

I think You can severe the tennancy and create a lifetime trust so the other parent can live in the house and it can’t be sold
My parents did this and when my mum died me and my sister got her half of the house but my dad was able to still live in the house
Now he’s about to go into a care home and the house will be sold
My sister and I will get our half and dads half will be used to fund his care
Mumblechum ( Marlowe Wills) did this for us a few years ago
But this only really works if one of the parents dies in the op case it would need to be the mother so that the OP inherits the mums half

if they both live long enough to need go into a care home then the OP gets nothing

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