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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To not sell my home for the benefit of my stepkids?

748 replies

jaicobain · 07/01/2023 15:34

I was never able to have children of my own. I was with somebody for 20 years, had all the treatments, and only ever had miscarriages. He became abusive and I left in my mid-40s, that was that. I am lucky in that I bought my house before he came along. I’m 57 now, and have come to terms with not having DC, but it’s still a great source of sadness to me.

My 2 nieces were born in my 30s, and I adore them. They were a great comfort to me, I’ve always been close to my sister so as a result was close to them. I am their Godmother. Of course they couldn’t be a substitute to my own DC but we have such a close relationship. When they were teenagers, they moved in with me for a few months whilst Dsis struggled with depression. Then a couple of years later my elder niece moved back in for 4 months at age 17 due to rebellious behaviour that Dsis wasn’t coping with. They are now both brilliant young women, and both have babies. They aren’t particularly well-off, and have struggled with the cost of living recently. I’ve been very vocal of the fact that they will inherit my house. Maybe a mistake to tell them that but they are greatful and not entitled at all.

I am in great health and expect to be around for the forseeable, and have always planned to leave my house to my sister, or my nieces if she passes before me. My sister is younger than me, but has ill-health and chronic conditions that have worsened as of late. She is not at deaths door or anything but has told me full-well that she doubts she’ll make 70.

I have a husband now, married 5 years, I have moved in with him. I have a tenant in my property. The problem that has arisen is that he wants us to buy a holiday home in Spain, but doesn’t want to downsize his large Victorian house to fund it (worth £500,000+, bought in the 80s in an area that got gentrified) because he wants his 2 sons to inherit it. He is snobbish about the area of my house (one of the not so nice areas of the city, but it’s where I grew up and I’m fond of it!), and is incredibly vocal about it. He thinks I should ‘get rid’ of my house and buy us the holiday home with the money. I have asked him why he doesn’t just downsize his 4-bedroom, it’s just the 2 of us and his 4 granddaughter’s are pre-teens/teens so they don’t even come and stay anymore. And it’s always the same response, he wants his sons to inherit it and the hypothetical holiday home that he expects me to sell my beloved home to fund.

He actually said that since I don’t have DC and now live with him I don’t need the house. As somebody who tried for years to have kids, this hurt me a lot. He also fails to respect my close relationship with my nieces, and has actually said I should prioritise his adult kids over my 2 nieces. Prioritising his kids would mean selling my house to fund the holiday home so that he doesn’t have to downsize his big house that they are due to inherit.

I am finding the whole thing incredibly upsetting and I feel like he doesn’t respect me or my family. He’s made many a nasty comment about my sister’s mental health issues and has no sympathy for her physical health issues which he says are her own fault for smoking, it’s like her considers her and my nieces to just be worthless. I will add that the holiday home is all him, I am really not bothered and would rather just go on nice holidays around Europe without the stress of buying and maintaining a holiday home.

OP posts:
Murdoch1949 · 07/01/2023 18:32

You are absolutely correct to prioritise your nieces. Personally I would consult a solicitor with a view to putting your house in their names NOW, with a common proviso that you get the rental income and/or the right to live there until death. This will prevent your husband and/or his son's making a move on your house after your death. It sounds as if your husband is the type to challenge the will even though he knows it's your wish. By seeing a solicitor you would also be able to get them to memorialise your capability, your wishes and reasoning regarding your nieces. Your husband is sounding very demanding regarding his adult children. They will be well provided for with the value of his property, so why is he so avaricious about yours? A decent man would immediately see your kindness to your sister's children, what they mean to you etc. Please see a solicitor and set in motion plans for your bequeaths. Your future with your husband can wait for another day!

tappinginto2023 · 07/01/2023 18:32

Blimey he sounds horrific.
Are you sure you want to stay married to someone who has those views of your family? He hardly sounds the type to look after you 'in sickness & in health' 'for richer or for poorer' - more like shipping you off to Dygnitas if you catch a cold!

Is there a reason you would want to stay with him?

ememem84 · 07/01/2023 18:33

Slightly on a tangent here but buying a home in Spain is now more difficult thanks to brexit.

there’s also the 90/180 rule to consider. So you can’t spend more than 90 days in the Schengen area in any 180 day period without needing a visa.

www.euronews.com/travel/2022/11/17/non-eu-citizens-can-only-stay-90-days-in-the-bloc-what-happens-if-you-overstay-the-limit

So buying a home might be more time consuming than a holiday. More trips legal stuff bank accounts in spam to be opened etc. I believe now that police checks are required for Spanish purchases (have just dealt with one for my client - although this was for a multi million euro property so not sure if it’s the same for all purchases by foreign nationals).

to get back on topic though. Don’t sell your home.

Cococomellon · 07/01/2023 18:34

Absolutely do not do what this man is asking. Your house is for your sister / her kids to inherit, as you wish. If he doesn't understand that they are your priority and thinks what he wants is more important than he is not going to be a good partner.

It's not even about the kids, it's about him. He sounds like a narcissist. Has he shown this is in other ways? Sorry have not RTFT.

pawprintseverywhere · 07/01/2023 18:35

Please stick to your guns. I maybe completely wrong but this sound like an attempt to isolate you.... Please don't sell as you put it your "beloved" house. What would become of you financially and property wise if you were to separate? It is like he WANTS you to be dependent on him.

ImaginaryDragon · 07/01/2023 18:36

You should keep your assets separate. don't buy a holiday home and especially not in joint names. Apologies if this has been asked. If your DH dies before you, will you be allowed to stay in the house you live in?

Grandmistress991 · 07/01/2023 18:38

What happens to his House should he pre decease you ?? Is it written somewhere emphatically that you can live out your day in it if he passes away first?

Will it be sold to support you moving to nursing g home care should that transpire ??

If you really want this to go to your nieces have a cast iron will made out to that effect.

Honestly this is ALL about what he wants , is he like this in other ways ? This isn't just not respecting your wishes this is trampling all over them.

Cococomellon · 07/01/2023 18:39

I have a dear friend who has a husband like this. Before they had their own children he was always putting the children first, which is fine, except he was putting them first in a way like your partner is asking you to - you should sell your house so that his kids can inherit everything and no thought to your family. You should put his children first.

She is married to him know, they have their own children and the stepchildren don't come to stay, but I can see his still expects what he wants to come first.

Grandmistress991 · 07/01/2023 18:42

...and another thing of you receive monies from your house as it is rented will it be the case that if he pre deceases you , you will HAVE TO move back to it, which won't be an option if you sell it.

My advice is no no no , do not sell your main asset it will leave you totally beholden to him and his children who most likely wouldn't have your best interests at heart should he not be around...but honestly doesn't sound like he has your best interests at heart now.

DarkDarkNight · 07/01/2023 18:44

Absolutely no way. For a start I would assume it would be much more complicated and costly for your nieces if they inherit a house abroad rather than in this country. It’s a whole other level of admin.

Your husband is ignorant and abusive. He can do whatever he wants with his property and you can do what you want with yours. You don’t owe his adult sons anything, he wants to have his cake and eat it.

PollyPaintsFlowers · 07/01/2023 18:45

Ooof YANBU at all. He sounds horribly unfair and selfish in this situation. I'd keep the house anyway just to have a home to go to should you ever leave him (or he dumps you after you've financed the holiday home)

DisneyMillie · 07/01/2023 18:45

I don’t think your husband can necessarily leave everything to his sons - as I understand it wills have to pass a “divorce test” and you can’t just disinherit a spouse.

Scousefab · 07/01/2023 18:47

please do not buy the property abroad if it’s not your idea. There are all kinds of legal costs for selling property abroad should you change your mind. Get an up to date will made making it clear what’s to happen to your property, pensions etc you can nominate your nieces to get these too. You need a beneficiary form completing for any pensions.

Eastereggsboxedupready · 07/01/2023 18:47

You don't need to answer op but I hope you aren't financially responsible for anything but your fair share irl. He has seen £££ when he saw you. As he has actually admitted...
Please water tight your will

Testina · 07/01/2023 18:47

DisneyMillie · 07/01/2023 18:45

I don’t think your husband can necessarily leave everything to his sons - as I understand it wills have to pass a “divorce test” and you can’t just disinherit a spouse.

Well my solicitor had no problem with it 🤷🏻‍♀️
My will very specifically disinherits my husband - explicitly so, so there’s no misunderstanding of intention - in favour of my children, who aren’t his. He’s fully aware and in agreement.

Perhaps you could post a link to your divorce test?

Whatwhatwhatnow · 07/01/2023 18:49

I would also find this incredibly upsetting. I have step-children and my husband and I both had houses before we married. We have a will arranged such that we both own 50% of the assets and we have had no input in to where each others 50% goes.

Mine is not going to his children. They have their own mother to inherit from as well as him. My house is absolutely my money to leave to whoever I want.

I would run a mile from this idea. The hassle of maintenance for a foreign house! I also disagree with holiday homes due to the impact on communities. Your husband is incredibly rude. Plus if you leave him you need the house. I don't think you should sell it, not because of your nieces, but because it's a safety net for you.

Whatwhatwhatnow · 07/01/2023 18:49

Ps also get a will if you don't already. Otherwise if you die it will all go to him anyway and end up with his kids. It's a common scenario.

CheesenCrackersmm · 07/01/2023 18:49

He wants you to sell your house to pay for a holiday home that he wants?

Tell him to fuck right off.

User359472111111 · 07/01/2023 18:50

Please tell me @jaicobain you have made a new will since you married? Your old will immediately becomes invalid on marriage.

Judgyjudgy · 07/01/2023 18:50

theswoot · 07/01/2023 15:36

YANBU and none of the way he is acting sits right with me. Hang on to your house and make sure your will is up to date!!

This. You've said yourself you don't even want a holiday home so don't do it

VikingsandDragons · 07/01/2023 18:50

I really hope you have a proper will in place so your assets go to your family should the worst happen, because were you to pre-decease him he certainly wouldn't respect your wishes for where it's to go and by default without a will your assets would go to him. He sounds awful and I'd put money on you needing/wanting to move back into that house on your own in the not to distant future.

Whatwhatwhatnow · 07/01/2023 18:51

Testina · 07/01/2023 18:47

Well my solicitor had no problem with it 🤷🏻‍♀️
My will very specifically disinherits my husband - explicitly so, so there’s no misunderstanding of intention - in favour of my children, who aren’t his. He’s fully aware and in agreement.

Perhaps you could post a link to your divorce test?

Mine disinherits my husband too (and his me). Although we have right to remain in the house until we die.

If you divorced the will wouldn't be valid anymore anyway.

Testina · 07/01/2023 18:51

Come to think of it @DisneyMillie my FIL left his half of PIL’s house to my husband, bypassing MIL. Thats a common tactic - sever a Joint Tenancy for Tenants in common, allow the surviving spouse a life interest - but will to children. It stops the entire family home being considered in the case of the surviving spouse needing a care home. So that was also planned disinheritance of a spouse, supported by a solicitor.

Soothsayer1 · 07/01/2023 18:52

pawprintseverywhere · 07/01/2023 18:35

Please stick to your guns. I maybe completely wrong but this sound like an attempt to isolate you.... Please don't sell as you put it your "beloved" house. What would become of you financially and property wise if you were to separate? It is like he WANTS you to be dependent on him.

yes, I think that is what he is pushing for, her to be under his control

anyolddinosaur · 07/01/2023 18:52

Sorry but money does strange things to some people, you cannot rely on your nieces for a home. Make a will, leave your property to your nieces. Set up a power of attorney for your nieces so he cant sell it if you lose ability to control your own affairs. This man's children are grown, they will inherit from him, they dont need your property.

Why stay with him, he doesnt seem to have any redeeming features.

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