I am a wheelchair user. I am not bound to a wheelchair, just occasionally when my legs stop working with the neurological disease I have had for a long time.
I have never said as much before. When this thread picked up on SIL moving in, it rang warning bells. This year I have been researching the rules for a carer to move into the house when needed or not even when needed, as a lodger.
It took me ages to contact the house insurers, the mortgage lender, and others. I had no idea how difficult it was. I cannot afford the £800-£1000 cost of having an agency send someone, and that on the top of full board. I could manage - just - to have someone living free in the house and pursue other employment.
When I went into the matter. Like every poster on here who has told me I am wrong, I thought it OK. However, the responses from the house insurers and the mortgage lender made me realise that a lodger was not so easy to get rid of as I thought.
When I read this thread, I could see that if the SIL moved into the property it will not be plain sailing. Also, having once kept ponies, I know how very difficult it is for someone with a horse to find lodgings for both, and instantly recognised a situation where the OP could end up in purgatory for life. Posters on here can research how rare stabling is.
Also, if the SIL is on benefits, because she would be living with relatives, she would forfeit some benefit, and the OP would have to shell out for food etc., not just for the SIL, but also for the horse.
Then look at the house insurance. Already high, because they have a horse themselves, the cost of the insurance will hit the roof, because liability insurance is very high, and accidents with animals very common. If the SIL had any sort of accident on the property, chances are she will end up owning the house if the insurance don't know she is there, with her own horse. When you have a smallholding and keep animals, there are all sorts of places where accidents can happen, and although you can teach your children to be careful, an adult like a SIL would not be so easy to teach.
As soon as you add other dimensions to a house policy, without informing the insurers, your property is no longer covered until you put it right. I learned that when a spare key the locksmith sent was lost in the post, and my house insurers gave me just a few days to have a new lock put in the door.
I have know similar people who have been threatened with mortgage lenders calling in the loan.
My reason for all the posts was to give the OP the ammunition to justify her refusing to let the SIL move in. It was intended to be a comfort, and a just argument for her refusing, because time and again the matter was eased, only for the in-laws to start putting on the pressure again.
YET, EVERY TIME I HAVE TRIED TO POINT THIS OUT ON THE THREAD there are people who say I have it wrong. I had no intention of introducing something irrelevant into the thread. The points I have made give the OP a defence. When posters rubbish my information, it serves to take away the reasons against having a lodger.
If those posters keep insisting a lodger is easy to get rid of if they refuse to leave, it makes the OP think that she can get rid of SIL without any problem. She cannot, because the rights of lodgers in an age when housing is in such short supply are constantly being updated. Homeless charities are, I think, winning that battle.
I can type, because a surgeon gave me back the use of my hands, but speech is difficult. How long, I don't know, but as my sight is deteriorating you don't have to put up with me and my ''RIDICULOUS IDEAS'' do you?
I hope the OP can avoid the catastrophe of SIL bullying her way in. I hope the OP can afford the extra insurance she will pay and that the mortgage lender, if she has one, will not foreclose on the property if she listens to the posters on here who say she doesn't have to.
I have always said 'consult a lawyer', and only given advice from experience. My late husband was a vicar. I know how difficult life is for some people. I try to see two sides of a coin. I would never be so disrespectful to posters who don't care for anyone's feelings.