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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:
Mayflier · 07/01/2023 19:18

How old is he? Just asking because I'm wondering about the personality change. Irrespective, he's made it clear what he thinks of you and your family. Yes, speak to a solicitor about protecting your assets as you intend to divorce. He's trying to make you buy a holiday home you don't even want and totally screw over your wishes for the well-being of your family in the process. He's trying to shame you into it by belittling your sister. Truly horrible. You are in your 50s and have so much life ahead of you... don't waste it. Get out now.

SnackSizeRaisin · 07/01/2023 19:21

viques · 07/01/2023 15:42

whatever you do don’t sell your house. It provides you with an additional source of income and is also your security in case for when you need to leave your partner.

But they're married. If they divorce the court will split their properties. The OP can't just decide to keep her house.

Anyway if the OP is in good health the chances are the nieces may be too old to get much benefit from the inheritance. They may well be in their 60s. Plus it may have gone in care fees.

It's a nice thought but no one should rely on an inheritance.

Velda · 07/01/2023 19:22

You can’t give away a house and still live in it. OP’s nieces would be taxed as if she was a tenant paying rent, even if she paid nothing. And there’s no time limit on deprivation of assets, so if OP needs care later on the state is likely to attempt to take the house back.

ICanHideButICantRun · 07/01/2023 19:22

Please don't transfer your house to your nieces. That puts you in an incredibly vulnerable position. You say that you can trust them, but can you necessarily trust anyone they marry? As you have found to your cost, people can change after marriage.

The first thing I would do is divorce your husband. Book an appointment with a solicitor and talk things through. You should be able to divorce with both keeping what you came in with, given it's a short marriage. If he objects to that then he'd be giving you money, so I think you'll find he shuts up.

It's very unhealthy to live with someone who has such contempt for you and there's absolutely no reason to put yourself through this.

hiyaqwerty · 07/01/2023 19:24

Op he sounds awful!!! Rid him now pls.
We have a saying in our culture, that 'sisters children are like our own children' 'the closest second mother a child can have, is the sister of their mother'
How can this guy expect you to choose his children over your own blood nieces? How dare he. He thinks so little of you and them that he is confidently voicing his opinions
Please ensure your will is up to date!

Velda · 07/01/2023 19:24

But they're married. If they divorce the court will split their properties.
Not necessarily. If the house has always been in OP’s sole name and DH has never lived there then the court may decide it’s not an asset of the marriage. OP will however have a claim on DH’s house as she’s lived in it.

SnackSizeRaisin · 07/01/2023 19:26

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.

Just get divorced now. It's sounds like he's better off than you so you shouldn't lose out financially.

His attitude that his children take precedence over your nieces is horrible and disrespectful. To be honest even if you wanted to leave your money to the local cat charity that would be entirely none of his business.

I wouldn't put the house in your nieces name though. You may need that money and you don't know what they would do, say if they desperately needed money for something. You might end up with no house and a lot of bad feeling. Better not to mention the inheritance but enjoy spending time with them now.

Unsure33 · 07/01/2023 19:27

You would get a free hour with a family law solicitor.If they say the property was clearly yours before marriage then it could be yours to do with as you wish . Do not be bullied into changing your mind . Your nieces sound like they have been everything to you , so get the legal position and hopefully make sure your will is in order .

PurpleButterflyWings · 07/01/2023 19:28

jaicobain · 07/01/2023 16:59

That too but there’s snobbery as well. My sister has had no end of mental health issues over the years and traumatic experiences. He sees her as scum of the earth who doesn’t work etc etc

He gets worse with everything you post @jaicobain As a number of posters have said, get rid of him, he is vile.

Atethehalloweenchocs · 07/01/2023 19:28

If the rest of the relationship is ok, then you could just say I am not open to discussing this further - I will be leaving my property to my nieces as I have said. If you want a holiday home (which I am not bothered about to be honest) then you will have to find another way to fund it.

SnackSizeRaisin · 07/01/2023 19:28

Velda · 07/01/2023 19:24

But they're married. If they divorce the court will split their properties.
Not necessarily. If the house has always been in OP’s sole name and DH has never lived there then the court may decide it’s not an asset of the marriage. OP will however have a claim on DH’s house as she’s lived in it.

Ah that sounds better for the OP

picnicshicnic · 07/01/2023 19:34

Absolutely not.

His sons do not trump your nieces.

I'm not keen on him at all, OP, but at the v least, keep your finances separate

lookluv · 07/01/2023 19:35

OP - do not buy a holiday home in spain. You will then need a Spanish will and by virtue of the fct your sister/niece are not deemed first degree relatives they will on your death end up with a huge tax bill which needs to be paid before they get their hands on your property or can sell it.

It is a nightmare to navigate and your fmily will lose out. It has just taken 6 years and me fronting £10s of thousands in inheritance tax upfront to untangle the mess. I am still out of pocket from the expereince as they have kept "retention" until other bits of land registry etc are worked out.

DONT DO IT

Sunsetintheeast · 07/01/2023 19:38

OP even if you did have a holiday home, surely it would only be in your name? I do hope your WILL has been rewritten since marriage. Please confirm this.

lookluv · 07/01/2023 19:39

This was my aunt - her DP lived for about another 8 months then passed away and the whole thing was a shit show and is still a shit show. Happy for you to message me privately - the lawyers were a waste of space and my aunt had paid for some allegedly good lawyers and had it ll set up properly - my arse! Expensive but incompetent,

He is being an arse

Jumbojade · 07/01/2023 19:40

EasterIsland · 07/01/2023 16:10

YANBU

If you stay with this greedy unreasonable man, please have an absolutely WATERTIGHT will and maybe explain in the will why you are leaving your estate to your sister, not you partner.

I hope you’re not married to this man …

From the OP -
“I have a husband now, married 5 years”

Fireandflames666 · 07/01/2023 19:42

Do not under any circumstances sell your home for him or his stepkids, it sounds like he wants to use your money instead of his own to buy this holiday home. You keep that home for yourself and your sister's family.

Heronwatcher · 07/01/2023 19:45

Agree with others that you need to make sure that your will leaves it to your sister or the nieces if (god forbid) anything happens to you. But for the rest of it, I guess I just don’t get why there might be a need to start putting in place schemes etc to stop this, surely if you just clearly say no, sorry, not going to happen that should be the end of it? Even given the rest of it, it’s a shockingly bad and risky investment for you to make.

Pompom2367 · 07/01/2023 19:45

Op if you think he would leave you over this why would you be with him?

MistyLuna · 07/01/2023 19:46

Testina · 07/01/2023 19:02

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?

Agreed with every point.

Money can do funny things to the best of people.

OP — I wouldn’t part with your house for anyone for as long as you live. If you wrote the house in anyone’s name (even with guarantee of living in it whilst alive) you may need to sell it one day, but if it’s no longer yours, and one or both don’t want you to sell, then you won’t be able to.

Hayliebells · 07/01/2023 19:47

Mayflier · 07/01/2023 19:18

How old is he? Just asking because I'm wondering about the personality change. Irrespective, he's made it clear what he thinks of you and your family. Yes, speak to a solicitor about protecting your assets as you intend to divorce. He's trying to make you buy a holiday home you don't even want and totally screw over your wishes for the well-being of your family in the process. He's trying to shame you into it by belittling your sister. Truly horrible. You are in your 50s and have so much life ahead of you... don't waste it. Get out now.

I had the same thought too, tbh. My father became obsessed with money in the early stages of Alzheimer's (actually at all the stages, he didn't stop being obsessed until it was very advanced). He was specifically very obsessed with my mother's money, almost like he was trying to swindle her.

Emotionalsupportviper · 07/01/2023 19:48

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 love your nieces and they are close to you and have brought you much joy, as no doubt their families have.

Your DH is being incredibly greedy and entitled. Get your will up to date if you haven't already - don't forget that a will is negated upon marriage and as things stand if you haven't updated it he will (to put it crudely) "cop the lot". And it looks as though he isn't giving you a thought as regards his will- everything goes to his boys, and nothing to you? Bugger that!

Stand your ground.

Apart from anything else, you may need that home to fund care when you are older - we none of us know what the future will bring.

AnotherForumUser · 07/01/2023 19:48

OP you need to boot this grubby parasite to the kerb. But do it cleverly. Don't let him get wind of your plans. Keep your house, you will need it. Make records of your assets and his assets. Download a copy of the land registry records of all of his property (when you apply for divorce this leech may well try to transfer his property into his son's names, keep a paper trail so hiding his assets will be more difficult). Get a shit hot lawyer. Arrange a place to move to, whether that's a short term rental or your own house. Pack your bags and head for the door. Then serve his divorce papers.

OutDamnedSpot · 07/01/2023 19:49

What does your will say? I’d be worried that you’d already struggle to leave anything to your nieces, even without the holiday home.

Longcovidshitshow · 07/01/2023 19:51

He doesn’t cherish you in anyway, leave him.

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