Meet the Other Phone. Flexible and made to last.

Meet the Other Phone.
Flexible and made to last.

Buy now

Please or to access all these features

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:
DisneyMillie · 07/01/2023 18:52

I don’t have a link - it’s what I was told by my solicitor when I tried to write one that did the same (and leave to my kids). A quick google says that seems to be right though - you can write what you want but a spouse can challenge it under the Inheritance (Provision for Family and Dependants) Act 1975.

StridTheKiller · 07/01/2023 18:53

Fuck. That. Shit OP. He sounds a right cunt.

DisneyMillie · 07/01/2023 18:55

(Obviously you can leave half of a jointly owned house etc as that’s what you’d get if you split but I’m not sure you could leave a whole house just because it was in your name for example and leave a spouse with nothing just because it’s not in their name)

YellowAndGreenToBeSeen · 07/01/2023 18:55

I’ve been on MN since 2009 and I have never said this before: leave him.

It was my instant response from your first post. This man is a callous, mercenary bastard who has little to no respect for you. You, your sister and your nieces are worth so much more.

Move back into your home and divorce him.

I’m sorry if this is hard to read.

CuntyChopss · 07/01/2023 18:55

Getting bucked on the regular isn’t worth this shit. If you stay with a man who openly shows contempt for you and your whole family you’re a mug.

DollyDaydream55 · 07/01/2023 18:56

Good grief… I’m beginning to feel alarmed and very concerned for you. He sounds dreadful. He’s protecting himself and thinking ahead to securing his adult kids’ financial future. I don’t think you feature at all. Please, seek legal advice. Make a Will. Don’t sell your own home. Preferably, move back in.

my situation is not entirely dissimilar and I have learned the hard way (very hard) that the man I loved, was with for almost two decades is a shifty brute who would see me on the streets rather than do the decent thing where money/property is concerned.

I am divorcing him. About ten years too late.

Chiccaletta · 07/01/2023 18:57

jaicobain · 07/01/2023 16:56

If I were to explain the situation to my nieces and put the house in their name now, I’m certain they would keep it as a home for me for the rest of my lifetime. DH would certainly divorce me.

I'd do just that if it were me. Get a lawyer to draft up now that you have lifetime enjoyment of the home with it in your nieces names. (Unless you ever foresee a chance you may get a divorce and want the flexibility of being able to downsize/move yourself in your later years)

Testina · 07/01/2023 18:58

DisneyMillie · 07/01/2023 18:52

I don’t have a link - it’s what I was told by my solicitor when I tried to write one that did the same (and leave to my kids). A quick google says that seems to be right though - you can write what you want but a spouse can challenge it under the Inheritance (Provision for Family and Dependants) Act 1975.

But you can only challenge under thar legislation if it’s a question of reasonable financial provision. When you marry someone in their 50s, and they have a £500K house, I can’t see you succeeding under that.

In any case - what is the divorce test? It’s what would have been the likely outcome in the case of divorce not death. Therefore, it favours the weaker financial party, generally. Based on him having a £500K house and OP’s being in “not such a nice area” it certainly sounds like if anything it would be her gaining from him in a “divorce test”.

Me - I’d just do the divorce 🤷🏻‍♀️

Chiccaletta · 07/01/2023 18:59

Chiccaletta · 07/01/2023 18:57

I'd do just that if it were me. Get a lawyer to draft up now that you have lifetime enjoyment of the home with it in your nieces names. (Unless you ever foresee a chance you may get a divorce and want the flexibility of being able to downsize/move yourself in your later years)

At the very least, please check your will is up to date and you leave your husband nothing (with an unemotional explanation letter telling why, in case he tried to contest it)

Rightsraptor · 07/01/2023 19:00

I've read all op's comments but mit everyone else's, so apologies if I cover old ground.

The usual thing with a marriage rather later in life is that each person retains their own assets. Obviously in your case, you've moved into your husband's large house in a nice part of town but he wouldn't have wanted to live there, as you said. You were 52 when you married and his children were well into adulthood by the sounds of it.

I can't make anything of this other than your husband wants all of your assets for his family. His are not the beliefs or actions of a good & kind man. Don't let him do it to you, @jaicobain .

Quarique · 07/01/2023 19:00

Jobs for next week: see a solicitor about your will and speedily update it, see a solicitor about a trust so you can think about it as an option, see a solicitor about a divorce (and give tenants notice if this is what you decide). Don't discuss with your husband until you have had professional advice and a think about how you want things to go.

Hepwo · 07/01/2023 19:01

I wonder which family members would be invited to stay in this holiday home you are paying for?

How would Mr. Greedy answer that question. Can your sister visit? Alone? Your neices?

Or is only for his family?

Testina · 07/01/2023 19:02

Chiccaletta · 07/01/2023 18:57

I'd do just that if it were me. Get a lawyer to draft up now that you have lifetime enjoyment of the home with it in your nieces names. (Unless you ever foresee a chance you may get a divorce and want the flexibility of being able to downsize/move yourself in your later years)

That is crazy advice!!!

Why on Earth, in her 50s, would OP sign the remainder over to her nieces, retaining only the life interest?

What if OP needs care?
What if she wants to sell up and see the world?
What if one niece marries a man like OP’s husband and her inheriting the house no longer seems a great idea?

Mirabai · 07/01/2023 19:02

Well he’s revealed his motivations for wanting to marry you. I think it’s less likely that he’s changed - more likely that he stopped bothering to hide his avarice.

DisneyMillie · 07/01/2023 19:02

I kind of thought it might favour her - hence why I mentioned it. However I happily admit I have no legal knowledge - I was just mentioning it in case it was relevant / might not be straight forward - as it was what I was told when I wanted to leave my (large majority) share of my house to my children.

Testina · 07/01/2023 19:03

“At the very least, please check your will is up to date and you leave your husband nothing (with an unemotional explanation letter telling why, in case he tried to contest it)”

Either he would have a legal basis on which to contest, or he wouldn’t.
What is this letter for exactly?

Oher · 07/01/2023 19:04

What you actually need is to ask a solicitor to create a trust (with you and your sister as trustees). The trust states that you have the right to occupy the house (or sublet it as you please) during your lifetime, but on your death, your interest goes to your sister who has the right to the house etc until her death, at which point ownership transfers to your nieces. Or something like that. If done correctly you can avoid inheritance tax too.

Regarding your marriage, what you do is up to you, but if your husband is bullying and belittling you like this, the marriage is already dead. Real husbands do not bully and ignore the wife’s wishes and they certainly don’t try to take money from the wife’s family to give to their own. So you might want to reflect on how much nicer and more peaceful your life would be without him, and work towards ending the marriage.

If you decide to stay in the marriage (and I do hope you leave) then make your will clear that the house goes to your nieces, but be aware that your husband will probably ask the Courts to ignore your will and give him your house. The Courts have the power to do that. He would be on weak legal grounds, but if he can afford good lawyers and your nieces cannot, he might be able to bully them into paying him a lot of money to end the litigation.

Good luck. Sorry about the men in your life 😔

Messyhair321 · 07/01/2023 19:08

TankFlyBossW4lk · 07/01/2023 15:45

Please write a will. If you die before him, he will inherit your house and then pass it on to his sons. Get some professional advice

This.

Hepwo · 07/01/2023 19:12

Everyone going on about trusts, what the Fuck are you all on about!

It's a 250k house, not a mansion. Why in earth does OP need to lumber herself with thousands every year in legal and accounting fees for a trust when all she has to do is write a will?

Riverlee · 07/01/2023 19:14

TankFlyBossW4lk · 07/01/2023 15:45

Please write a will. If you die before him, he will inherit your house and then pass it on to his sons. Get some professional advice

My first thought also,

TheoriginalMrsDarcy · 07/01/2023 19:14

Sounds like he married u for ur money and the hope when u die u leave it all to him and his sons. He doesn't sound like a nice man at all. There's no consideration for what u want at all.

Keep ur house. If he wants a holiday home, tell him to buy it.

babyjellyfish · 07/01/2023 19:14

You've already had a lot of good advice in this thread OP, but here's my 2p worth.

Make sure your will is up to date, clearly leaving your house to your nieces whether you predecease your husband or not. Tell your sister and nieces about the will and make sure they know which solicitor it is deposited with.

Do not under any circumstances buy property abroad with your husband. If he wants a holiday home, he can finance it himself.

If you don't already have lasting powers of attorney set up to handle your financial and medical affairs in the event that you become incapacitated, get this done now and appoint your nieces to be joint attorneys, with or without your husband.

Hayliebells · 07/01/2023 19:16

You sound very much like you'd be fine financially etc without him, is that right? Honestly, what are you getting from this relationship, other than grief? I think your interpretation of his attitude, the lack of respect, sounds warranted. I'd get rid.

EwwSprouts · 07/01/2023 19:17

Agree with PPs make a will now. His DC were adults not little children that you raised. I will guarantee that he would ensure your name was not on the deeds of any overseas property purchase.

Whynowwhynow · 07/01/2023 19:18

But your nieces are blood family his adult children are not. If you had been together since his adult children were young children I would view it differently but you haven’t. You have a close relationship with your nieces and they have been part of your life since they were born, and you part of theirs.

Don’t sell! I have a feeling this could end up very messy. Whose name is he proposing goes on the deeds of the holiday home? I bet it isn’t just yours.