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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:
Tinkerbyebye · 07/01/2023 16:31

Refuse he can’t force you

make sure your will clearly states the house go to your nieces

think about leaving he doesn’t sound nice

WisherWood · 07/01/2023 16:31

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. To me, it sounds like you're married to another abusive man and you should get rid of him. I'm sorry OP but it sounds like he married you in part to get hold of your property. Make sure your will is deposited with a solicitor and that your nieces know who it's with. I've known wills mysteriously disappear, leaving biological children with nothing and stepchildren with everything.

thing47 · 07/01/2023 16:33

Why on earth would you want to leave anything to HIS kids? Have you asked him that @jaicobain ?

At the moment you each own a house, if he wants to own property somewhere different then he has to fund that desire, it's nothing to do with you.

As PPs have said, I'd be re-assessing the whole relationship in light of what you now know about this man.

chopc · 07/01/2023 16:33

Please please do not give up your assets and security for this asshole

KettrickenSmiled · 07/01/2023 16:34

jaicobain · 07/01/2023 15:40

@HermioneWeasley.

Becuase he doesn’t get why I’d leave anything to my nieces in the first place rather than his kids. If I did sell my home to buy the holiday home with him (joint ownership) he’d expect it to be left to just his kids.

But it's not just that is it? - although this alone is bad enough.

If he gets his own way, where is your independence?

Would he expect you to trot faithfully at his heels when he wanted to live in Spain, & live with him (UK?) in his house when he chooses? I know that legally both properties would be co-owned in marriage, but it's all his plan, his UK roof, & I suspect you would end up feeling totally constrained, & dominated by his "me first" personality.

ChaToilLeam · 07/01/2023 16:34

Please get good solid legal advice, make a cast iron will and really ask yourself what you are doing with this pig of a man.

LotteryWinPlease · 07/01/2023 16:35

Get a divorce

RudsyFarmer · 07/01/2023 16:35

My reaction is Fuck that and I would strongly suggest the next time he makes a similar comment you swap the ‘that’ for ‘you’.

porridgecake · 07/01/2023 16:35

Get legal advice PDQ. Make sure you have made a will since your marriage and lodge a copy with your solicitor and give a copy to your nieces. Your husband sounds like a nasty piece of work.

Beautiful3 · 07/01/2023 16:35

You really need to write a will, stipulating your home will be left to your nieces. Otherwise it will automatically go to your marital spouse. I don't think it's fair of him to ask you to spend your money on something he wants! I'd say no. If he can't afford it, then he doesn't get one! Don't feel bad. Your nieces/God daughters are just as valid as his children.

AdaColeman · 07/01/2023 16:36

I hope that you do not buy property in Spain for the benefit of this bullying man.
However, be very careful if you do go ahead with any foreign purchase, because the rules of property inheritance are very different in various countries to those in the UK, and you could be at a real disadvantage.
Don't risk your hard earned financial security for this man.

Heyahun · 07/01/2023 16:37

Bye bye husband and move back to your old house

Yabado · 07/01/2023 16:37

Get a new will written up. Maybe leave your husband something so that he will find it difficult to contest the will

get the will and it put in one of those will safe places for safe keeping
give your sister and nieces the details on how to obtain the will

don’t tell your husband where the will is kept
otherwise it could “go missing “

if you can make your sister and nieces executors of your estate that would be helpful as they should then oversee everything

speak to them as well about what you want and plan to do

if your house is worth a decent amount and they are on benefits it won’t benefit them most likely in the way you want it to as they may lose all their benefits

lots to think about but definitely get a new will updated and give the details of the will to your immediate family

or just divorce him 😂

altmember · 07/01/2023 16:38

Do you even want to buy a holiday home in Spain? It doesn't sound like you do.

So on that basis I'd tell him to buy it himself, how he finances it is up to him, but you want nothing to do with it. Maybe he can refinance his house to raise funds to buy holiday home, he may not have to downsize to free up equity?

Tell him that your house is not going to be sold and that he shouldn't even suggest it again. Either stand up to this man or leave him, because at the moment he is being controlling and coercive.

You could also tell him that your house is going to your nieces and that you can either gift it to them right now, or keep it until your death so that you and you husband can continue to benefit from the letting income it's generating.

GabriellaMontez · 07/01/2023 16:39

As others have said. Write a will.

Does he have a will? What does it say? What would happen to your home (his house) if he died?

Is he wonderful in every other way? Or is this just one example of his selfishness?

euff · 07/01/2023 16:39

I agree with Pp's that you should only sell your property if it is in your own interests to do so and not his or his children's. Please check your Will is up to date. Register a copy on the Will register and as you have been already been open with DSis and DN's about their future inheritance make sure they have copies.

Even if you have a Will it is really easy for a spouse to take your death certificate and fill out an indemnity form at the bank and clear out accounts with sums up to 25k depending on the bank. It would then be for someone else to try and claw it back. Any financial help you can give your DN's while they are young would be hugely beneficial and I'm sure massively appreciated if you wanted to do that earlier rather than something or someone happening to your assets later. I know nothing about this stuff but can you add DN's names to your property?

Also if you lose mental capacity do you want your 'D'H making financial decisions on your behalf? Think about this. You could have a lasting a power of attorney to your nieces or jointly with your nieces and DH so they know what he is up to.

If you do decide to use your own funds to buy a property in Spain don't put his name on it and maybe add DN's and have them out there for holidays! If you don't want to sell your property to buy a holiday home be firm and say it's not happening and you don't want to hear any more about it.

lieselotte · 07/01/2023 16:39

He sounds like a piece of work. But also, he could sell the house now and give the money to his sons. Why have they got to wait (presumably decades) to inherit? I assume a holiday home in Spain would cost considerably less than the value of his UK house, so he could sell the UK house, buy the holiday home and give the balance to his sons now, who may be able to make better use of it now and it avoids IHT.

His plans don't make sense for you, but they don't make sense for his sons, either.

jaicobain · 07/01/2023 16:39

He has changed since I married him, especially in the last 2 years. He has had some kind of mid-life crisis and has become utterly obsessed with money. He did make a throwaway comment a few months ago that he’d never go near a woman who didn’t have her own property.

OP posts:
CPL593H · 07/01/2023 16:40

So, he dies first and his sons get his £££ house. Where does he expect you to live then, the holiday home in Spain?

He is taking care of what and who is important to him. make sure you do the same.

Candyfloss99 · 07/01/2023 16:40

Well I'd be telling him to go to hell what a selfish man. Very worrying that you are married though. Do you have a very good will or he could be getting your house for his sons if you were to die before him anyway.

MaggieFS · 07/01/2023 16:40

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

Absolutely this. Have you got a will in place which specifies what you want to happen to your house???

lieselotte · 07/01/2023 16:41

Of course if he did that you'd have to evict your tenants and move into your house. I suppose that would create more difficulties.

jaicobain · 07/01/2023 16:41

He makes me feel lesser for not having my own blood children to pass stuff on to. If I did have a child he wouldn’t dare suggest this, surely.

OP posts:
Changingplace · 07/01/2023 16:41

jaicobain · 07/01/2023 16:39

He has changed since I married him, especially in the last 2 years. He has had some kind of mid-life crisis and has become utterly obsessed with money. He did make a throwaway comment a few months ago that he’d never go near a woman who didn’t have her own property.

Seriously? I think you should speak to a solicitor and run a mile from this man, I doubt that thought had only just occurred to him, I think he’s been after your house all along :(

Comeonbarbiebrianharvey · 07/01/2023 16:42

You need a will if you haven't already, sorry if I've missed that. Should anything happen to you your house will become his and then his kids. Nieces won't get a look in. You know yanbu.

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