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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:
Canabelievethis · 07/01/2023 22:20

Please OP, listen to these wise comments. Sadly I suspect this man saw you coming to add to his coffers and kid's inheritance when he dies.

Leave your house in trust for your nieces. Tell him to cash his pension in to fund his snobbish desire for a holiday home without current means rather than mentally berate and bully you into providing the funds.

Personally I would leave this man ASAP and at the very least suggest if he doesn't drop the subject, you will divorce and claim 50% of his precious victorian house, therefore he will have little to leave his kids.

Fuming for you OP. Just hate money grabbers, particularly those in the guise of a loving spouse. Stay strong, speak to a solicitor.

LexMitior · 07/01/2023 22:21

I wonder how well off your husband is, OP. Do you know?

People who constantly worry about money or assets tend to have financial issues

Sunsetintheeast · 07/01/2023 22:24

Glad you will is up to date.

It makes no sense to give his kids your money, why would you? They have him and you have DN who you are related to. If he can’t see this he’s self absorbed.

ecosystem · 07/01/2023 22:26

YANU Absolutely vile, financially abusive man

LexMitior · 07/01/2023 22:30

Do consider this financial point, OP. There will have been nothing to stop your husband mortgaging or remortgaging his property and living on the proceeds. You would not know anything about that.

I would not only be suspicious of his desire for you to sell your house, because it seems extremely self absorbed. But having a joint asset together in another house would see him far better off immediately. He might be very motivated to do this if in fact he is in serious debt.

StarsSand · 07/01/2023 22:30

Divorce him and make a claim on his precious house, give it directly to your nieces.

What a prick.

ImAvingOops · 07/01/2023 22:32

I haven't rtft yet but I'll n the small off chance that no o e else has said it, make sure you have a will that is written after your marriage, in which you make your wishes clear. Without doing so, your husband will inherit your house should you go before him

Newestname002 · 07/01/2023 22:33

jaicobain · 07/01/2023 21:54

Thank you all for the advice. I was very worked up. I’m going to relax now and will perhaps go and see a solicitor in the week.

No "perhaps" about it, OP. For your own peace of mind, please make the appointment and go and see a family law solicitor ASAP. Don't do anything which will leave you at a disadvantage- with him, or anyone else. 🌹

NewYearNewCareer · 07/01/2023 22:34

I assume you make money from your rental - so how does he suggest that money is replaced?

jollyrogering · 07/01/2023 22:45

I don't understand all this. It makes no sense.

In terms of monetary value, to be passed from one individual to another via marriage, inheritance or whatever, a house is just an asset, worth a certain amount of money.

If you sell the house you currently own and buy a holiday house is Spain worth the same amount, you'll still own the same amount of asset, that can be passed on to your nieces upon your death in the same way.

If he sells his 4 bedroom Victorian house and buys a smaller house plus a holiday house in Spain worth (collectively) the same amount, he'll have the same value of assets he had before that can be passed on to his sons exactly the same way.

The only way any of this would be relevant would be if there were some strong personal or emotional reason why the next generation would want to inherit that particular house, and stay in it. But is this going to happen? How would both of his sons, or boths of your nieces, continue to live in the house they inherit together? Surely they'd sell it, split the value and each reinvest it in whatever way is relevant to their lives? In which case, what difference does it make which house it's coming from?

Of course even if your accept this, a whole load of other questions arise - such as, do YOU even WANT a holiday house in Spain, and if not why the fuck is he talking about what you should do with your assets to obtain one? But that's a whole other story.

But basically you're married and have a certain amount of family wealth. You need to (a) direct some of that wealth into maintaining the life that YOU BOTH want together - whatever type of house in whatever area, a holiday home if that suits, whatever - and then (b) keep the rest in a form that will retain and hopefully increase its value for your descendants. Apart from the value consideration, it surely doesn't matter what that form is.

Mama2six · 07/01/2023 22:45

Oh my! Please don’t put up with this anymore you deserve so much better! And please ensure your will is up to date with your nieces getting your house, and if like you said they would let you live there until the time came then I would do it now, your poor sister also has to endure this man’s slander and your sister has been there with you all your life. If you say he’s children don’t even talk to you anyway and he treats you with such disrespect I wouldn’t stay with him. I can guarantee you would be happier without him and without hearing him talk about your sister that way too. I really hope you realise you deserve better and enjoy your life with your sister and nieces. I wish you the best

FloraPostIt · 07/01/2023 22:50

If you do buy a house abroad be careful as forced heirship rules may apply and you may not be able to leave it to your nieces even if you wanted to. Make sure you get legal advice early from someone who knows about Spanish succession law

Testina · 07/01/2023 22:50

@jollyrogering of course it matters what form it’s in.

Will reading version 1: and my sister inherits my house in the U.K., which is entirely in my name and legally owned by me with no other person holding a legal interest. Keys are in my desk drawer. Job done.

Will reading version 2: and my sister inherits half of a house I co-own with my completely unlikely to be helpful (and actually a bit of a shit) husband, who will probably have to be taken to court to release his share, which takes years, and will cost you money upfront that you haven’t got, and by the way there might be made even more complicated by the fact it’s in Spain.

You’d have to be a bit stupid not to see any difference there 🤷🏻‍♀️

Britinme · 07/01/2023 22:52

I wouldn't be selling a house I own to have one that you don't really want and he would own half of (which it sounds as if he's suggesting). If he wants a holiday home, let him buy it. I have to say a holiday home sounds like a nightmare to me - I'd far rather go somewhere different every year than feel obliged to go to the same place and also be stuck with the maintenance of it.

LimeCheesecake · 07/01/2023 22:53

Yes @NewYearNewCareer makes a good point - there’s rental income from that house.

so things for him to answer: a) where does he expect you to live if he dies before you and the step sons inherit the house you currently live in ? b) how will the shortfall in income from your rental property be made up? c) why would you buy a house in Spain that you are limited to how often you can stay there given Brexit ?

WarmWillowLeafy · 07/01/2023 22:55

Oh goodness, sounds like the situation a relative of mine is in.
Leave, divorce, live happily in your own house.

And if you are happy with this, just make sure you each keep your own assets, in a clean break.
Things always get ugly around money and inheritance, and it looks like he’s “spent” yours already.
It so difficult, where someone protects his assets for his original family, what about you? They will turf you out if anything happens to him.
My relative is in this situation, get your self out of it and secure yourself.

NewYearNewCareer · 07/01/2023 22:57

If you sell the house you currently own and buy a holiday house is Spain worth the same amount, you'll still own the same amount of asset, that can be passed on to your nieces upon your death in the same way.

No! Home brought prior to marriage can be classed as non marital assets and belong to one person.

After marriage the property is considered a marital asset. So he keeps his house and half of hers.

XanaduKira · 07/01/2023 23:00

Oh Op, so sorry you've married such a money grabbing bulky. I hope you're able to find the strength to continue to stand up to him. Good luck.

SchnauzerEyebrows · 07/01/2023 23:34

So you're not going to leave him then? Even though he's very clearly only married you for your asset

jollyrogering · 07/01/2023 23:40

@Testina

That's not a question of what form it's in, it's a question of whose ownership its under. The OP could sell her current house and buy a house in Spain in her sole name, and change nothing from the POV of ownership and inheritance.

But unless there is some kind of binding pre-nup or the OP has clear solicitor's advice about how assets might be ringfenced on divorce, surely this is moot as all the assets are now family assets anyway?

FWIW I'm certainly not advising the OP to buy the house in Spain. I was simply pointing out that from the POV of inheritance, the only thing that matters is the cold hard numbers: how much is stuff worth (and, yes, whose name is it in and what are the rules regarding marital joint ownership). It's not particularly important that the young'uns inherit one particular house rather than another, since they'll surely sell it anyway. In the meantime, wealth can be put into whatever form suits the OP's and her DH's lifestyle preferences.

So no, I'm not stupid, or an appropriate target for your condescension.

saraclara · 07/01/2023 23:41

So he's trying to get you to change your will?

Seriously, he's covering every single base to make sure that he and his kids get their grubby hands on every penny you have.

I don't generally join on the choruses of "leave the bastard" on this forum, but in this case you'd be mad not to. This man is awful in every way.

inloveandmarried · 07/01/2023 23:42

Every time he questions your will or pressures you to change it. Just say breezily that it's all sorted thank you. That the promises you made your God Children 20 years ago (or whenever it was) will always be honoured and you've always been very clear of your intentions regarding your previous home. I'd also remind him that he directly benefits from the rental income from the tenancy which is always good to have a bit of extra income. If you are brave enough I'd also remind him that he is free to leave his house to whomever he chooses (it's unlikely to be you) and you are also free to do the same.

Any time he raises it again just repeat cheerily 'it's all sorted thank you'.

Don't mention the holiday house. If he wants it he can find a way to fund it.

jollyrogering · 07/01/2023 23:43

NewYearNewCareer · 07/01/2023 22:57

If you sell the house you currently own and buy a holiday house is Spain worth the same amount, you'll still own the same amount of asset, that can be passed on to your nieces upon your death in the same way.

No! Home brought prior to marriage can be classed as non marital assets and belong to one person.

After marriage the property is considered a marital asset. So he keeps his house and half of hers.

Oh OK, I didn't know that.

I thought that property owned prior to marriage equally becomes joint property upon marriage. Is this not so?

ODFOx · 07/01/2023 23:45

Just in case it is mooted to buy the holiday house in Spain and leave it to your Nieces instead: Spanish inheritance law is complex and does not follow the wishes of the will. Any Spanish properties will be split between your children (ie his children).

Keep the house you love OP.

StarsSand · 08/01/2023 01:49

So to be clear,

He hasn't left you (his wife) anything in his will?

If he predeceases you- the home you live in will go to DSC and you will put out of your home?

And it is his preference that you shouldn't have your own house anymore- just half a share in a house in Spain. Which would have to be sold upon his death presumably (unless you could afford to buy it out) because DSC would want to inherit their share. And what would you want with half a house in Spain anyway?

Absolutely outrageous for him to think it is in anyway sensible or fair- let alone feel entitled to demand it and badger you over it.

What a bastard.