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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

AIBU to refuse moving in if asked to pay half his mortgage?

1000 replies

HolyCheeses · 19/04/2026 23:45

I have a small house here which I am renovating alone with a view to then downsize slightly leaving me with a smaller mortgage (I have 3 adult 18+ DC all at uni/jobs living independently)

My Boyfriend and I have been together for 4 years

Hes almost finishing renovating a huge property with an annexe for his parents. Hes asked me to move and has asked me to be very involved with decision making for the home -

Hes 8 weeks away from being able to move back in and has been asking about planning and pushing for me to give him a date for relocation . I told him we’d need to discuss finances first. His idea of fair varies massively from mine.

He has proposed we split the bills down the middle 50:50 and the same for his mortgage.

They would leave me worse off than where I am now. Having to find and settle into a new job and location is a risk as it is and I’d have no disposable income after such huge living costs

He earns twice what I do and I don’t feel comfortable paying towards a mortgage of a property I’d not have a stake in subsidising his asset whilst diminishing my financial stability.

he cannot see my point of view at all and has told me I’d pay the same in rent in a flat but that’s not the point - I’d be better off where I am

i am being unreasonable- he’s seems bereft and stunned I’m not leaping at the chance to move next month!??

OP posts:
DisforDarkChocolate · 20/04/2026 09:05

That would be a clear no from me too. You'd be worse off, he'd be much better off and you'd be handily placed to help with his parents. All those decisions he's planning you to help with, I bet he also means pay half. Has he ran out of money?

Enjoy single life and your affordable house.

ohwhattodo4 · 20/04/2026 09:05

There’s no way you should give up your house. It looks as if he just wants you to move in for financial reasons and not because he’s madly in love with you. He sounds bloody awful to be honest!

FaceIt · 20/04/2026 09:08

Do not liquidate your assets.

This man will end up being very wealthy off your back.

Slightly different scenario, my friend did exactly the same, sold her very decent house, poured the money into his huge property.

They broke up, and she had to start again with absolutely nothing in her late 50s because nothing was in her name.

Men (and women) really do do this, so don’t become a victim. It’s a tale as old as time.

MooFroo · 20/04/2026 09:10

Bimblebombles · 20/04/2026 08:26

Aside from all the financial side of things, it would be you stepping in dealing with any crises his parents had if he was out / at work etc wouldn’t it.

First thing I thought! He’s getting financial help from @HolyCheeses for the household costs and most women will end up taking on some responsibility for his parents if they live in the annexe on site!
CF!

Laurmolonlabe · 20/04/2026 09:11

If he hasn't confirmed you would be an equal partner on the mortgage, run don't walk in the other direction- you can't sacrifice your stability and security because it is convenient for your partner financially- if he earns more not taking more than half the burden is also a huge red flag.

Carece · 20/04/2026 09:17

Haven't RTFT, so apologies if this point has been made already.

What really stands out for me is that he is unilaterally dictating the financial terms here.

This should have been a detailed discussion between you, ages ago, where you both worked out what you wanted and what you could pay and who would be living where. Until you reached an agreement. Instead, you kept asking to discuss finances and he kept refusing. Then, when he thought you might walk away, he finally came up with his "take it or leave it" plan, which is all calculated according to what he wants and needs, with no reference to you.

That's not how a relationship works.

Also: what the hell is going on with his timing here? Either he only just did the sums to work out how he might afford the mortgage and renovations, in which case he is an idiot. Or else he did the sums before committing to the mortgage and renovations, and just waited as long as possible to spring it on you - why? Because he didn't want you to have any input? Because he hoped to railroad you by waiting till you had sold your house and had nowhere else to live?

Basically I would be really worried about the fact that he wants to force this on you and doesn't seem to think you should have any choice in how your money gets spent.

DierdreDaphne · 20/04/2026 09:20

Daleksatemyshed · 20/04/2026 08:14

He's not the man for you Op, he thinks living in a big house with him is a win for you both when really all the advantages go to him. He's not a man whose madly in love with you if his first thought was he'd get a lodger if you didn't move in, he's all about his money and keeping it for him.

Exactly

SadSaq · 20/04/2026 09:20

Wreckinball · 20/04/2026 08:25

I’d worry that the longer term plan is for you to look after his parents as they get older and frail - if he loves you he will respect your wishes. Being worse off financially to live with him and his parents is only a good idea- if you are him

That's what I think too.

Snaletrale · 20/04/2026 09:21

You need a good long discussion where you say you aren’t going to move to put yourself in a worse financial position. (If you sell your house will you even get another mortgage on your salary again?)
Then say about preparing for retirement. Reiterate that you love him but after having been burnt once, you aren’t going to put yourself in a vulnerable position again. Tell him you are disappointed that he can’t see your point of view about financial security for yourself and that it’s giving you serious doubts about the relationship.

Then take it from there with his response. Even if he thinks he’s losing you and makes promises, ensure that you can put yourself back to the position you are in now if it fails to work - aka have a deposit and the ability to get another mortgage on another house in a location of your choice.

ArtAngel · 20/04/2026 09:21

The bills on this massive property will be so much higher. A share of the CT will be more than the OP’s single discounted CT on a tiny property. Insurance, heating, everything will be sky high.

And OP, even if you put your assets (value of your house) into a named ownership proportion of his, you won’t necessarily come out with enough equity if you split in future (ask me how I know…I put a two bed terrace house into a joint property, 15 years later my share of a bigger property did not buy me anything near what I gave up)

You don’t NEED to be investing in a bigger property , your Dc will soon be flown while you are left paying for all his beautifully decorated bedrooms.

What is his parents’ contribution, on the spreadsheet?

Topseyt123 · 20/04/2026 09:23

I wouldn't even consider contributing towards the mortgage if I wasn't on the deeds of the property as a joint owner.

Don't do this. Stay put and tell this thicko to shove his massive property up his arse.

It would be financial madness to give up your current home, job, independence and security for this!

Ohnobackagain · 20/04/2026 09:25

@HolyCheeses if you decide to stay in the relationship, I’d let him settle down in his house and work out how his budget works ‘on his own’. He should not be reliant on your finances to make it work. If he needs a lodger to do so that’s a whole different ball game.

If you are not buying into the house, I’d be expecting to pay half the other bills but only a token amount towards rent really. If someone moved in with me and the intention was not to buy in, I’d likely not charge rent but I’d expect 50:50 bill split regardless. I have been the lower earner in that situation and always paid half the bills but I don’t feel comfortable otherwise. In one case my then boyfriend earned more than double my salary.

I would be looking not to sell my own place unless I was certain things were looking very long-term and at that point I’d be looking to make some kind of cash investment into ‘his’ place and then paying towards the mortgage for a % share in the house, with profit only counted from when I’d contributed.

If he is adamant you have to pay half the mortgage and it’s not just ‘token rent’ then you need some kind of agreement that you get half of any profit made, calculated from the day you start paying. But if you want to do that, you have to consider whether morally you should be liable if it decreases in value.

It is a minefield.

Edited as I meant to say, definitely don’t sell up until you’re sure. In the meantime, continue your ‘down size’ plan. If that means selling up and moving in with him until you find somewhere, you could treat it as a trial. You could still then buy your downsized property and rent it out if things work well.

obviously you may decide you’re done at this point though!

Nofrogslegs · 20/04/2026 09:25

Can’t you just keep things as they are OP, as in living separately but continuing the relationship?

DeftGoldHedgehog · 20/04/2026 09:26

HolyCheeses · 19/04/2026 23:51

That’s exactly what my sister said!

This.

DierdreDaphne · 20/04/2026 09:27

Im glad you've decided not ro do this OP. Just another point in case anyone else is looking at doing similar: people have asked what security you would have had should he unexpected pass away? But also, supposing you were sadly to pass? (and of course we all die eventually...) - where would that leave your dcs versus them presumably simply inheriting your full estate, immediately.

Ticktockwatchclock · 20/04/2026 09:27

ArtAngel · 20/04/2026 08:55

His parents in the annexe would send me running for the hills.

⬆️ This. Make sure he is not lining you up to become his parents carer as IMOE men rarely take on this role and it falls to the female in a partnership.

ThatWaryLimePeer · 20/04/2026 09:32

I don’t think it’s right for either of you, your proposal of paying 30% while you house sits empty probably doesn’t sound fair to him and his proposal is also unfair.
Also adult DC do boomerang back.

goody2shooz · 20/04/2026 09:35

@HolyCheeses i remember reading something on mn that basically said ‘every decision I made for a partner/to please a partner, disadvantaged ME. Not necessarily right away, but every time, I paid the price one way or another’.
It’s definitely time to put yourself first here!

YourWildAmberSloth · 20/04/2026 09:36

Don't be rushed into a decision, his timeline has nothing to do with you. He can still move in and do what he was going to do anyway, while you stay in your home and think about what is best for you - if it takes months, so be it.

Clearingaspace · 20/04/2026 09:38

Easilyforgotten · 20/04/2026 08:57

I'm not really sure what to think about this because he seems to have made such an effort to be inclusive of your DC, and to involve you in decisions relating to the renovation. I may have missed this but did he already own this property before you got together, or was it bought with a view to you living together and having room for his parents to have an annex and your children to visit? I'm assuming the former, in which case he should already have worked his numbers to afford everything himself. You sound too level headed to have got involved in the latter without the finances having been discussed fully beforehand.
I could almost (and I stress almost) see his point about 'it only being what you'd pay in rent' if you were actually paying rent.
I think you could work out your monthly costs (not including your mortgage), and see how that compares with the anticipated costs of his place (again not including the mortgage) and see what number you get. If that is roughly in the order of a proportional contribution based on income, that is was you pay, and no more.
However I would have every sympathy if it's already too late for this relationship.

I agree with a lot in this post. Personally I wouldnt be giving up yet if I loved him. I eould probably go ahead but only if my current house was rented out and the amount of rent I was paying to dp was similar to the monthly mortgage that would have been paid in the planned downsized move. Also bills similar to requirements in a small house or worked out so you both save on current bills.

His parents care is a concern but make it clear that he will need to care for them, not you. He seems to want to help look after your adult dc so this could be tricky to explain but hopefully he isn’t even planning that care role for you.

TheAutumnCrow · 20/04/2026 09:40

HolyCheeses · 20/04/2026 08:23

I’d been having these feelings for a few months

I’m not going to waste any more time - I’ve already lost 22 years to a shit marriage.

id certainly not make a snap decision about anything these days let alone based on what some people I don’t know say.

it is possible to love someone and know that it won’t work for ME

I'm not surprised that you are thinking this way. You seem so relieved to have people agreeing with you that it's not a fair set-up that he's offering and expecting you to agree to, it was like seeing a weight fall from your shoulders overnight.

I'm pleased for you that you have thought this through, just in time, thus avoiding making a massive mistake.

And luckily for Big House Project Man, there is money to be made renting to (perfectly nice) lodgers. He'll be fine.

GertrudePerkinsPaperyThing · 20/04/2026 09:42

HolyCheeses · 20/04/2026 08:23

I’d been having these feelings for a few months

I’m not going to waste any more time - I’ve already lost 22 years to a shit marriage.

id certainly not make a snap decision about anything these days let alone based on what some people I don’t know say.

it is possible to love someone and know that it won’t work for ME

If you’ve been having the feelings for a few months that’s a good indication.

I was going to say, you can always suggest staying together but in your own properties but it sounds like he’s going to be too sulky / difficult for that to work.

DuckbilledSplatterPuff · 20/04/2026 09:43

Wreckinball · 20/04/2026 08:25

I’d worry that the longer term plan is for you to look after his parents as they get older and frail - if he loves you he will respect your wishes. Being worse off financially to live with him and his parents is only a good idea- if you are him

That was my first thought too!

Also OP,,, as you've already noted your alarm bells going off .. I found this line concerning
" I’ve asked for months what would be expected of me financially and how would the responsibility be divvied up and he kept being evasive"

Involving your Children, asking for their input on paint colours for spare bedrooms etc.. all sounds really thoughtful on the surface, until you pair it with the above sentance. Then I think it means that you are drawn into his project and feel obligated to him without it ever being spelt out exactly what your obligations are.. and you are only finding out now... So rather than feeling guilty about this move, I would regard it as very manipulative.

It's like him deciding you'd agreed to share the cost of a car, without even knowing what that cost is.. or the make and model and whose driving. Then there's the big reveal.. "But you agreed, I know you asked again and again and I didn't tell you the details.. but look you agreed and I let you chose the colour of the car seats."

It becomes even clearer when he wails.. "but if you don't comply I'll have to get a lodger!" Translation - He'd lined you up to be his lodger! Paying 50 per cent of everything, investing in HIS asset with zero housing security, having given up your own affordable home, affordable spending plans, and independence.

And as for including costs for a housekeeper and cleaner.. What is the betting that these would be traded if you complained about the high cost of your expected contribution. "I suppose we could economise by not having a cleaner etc if you were willing to do this, then I could take that amount off your bill. " Heck by that stage he might even have you volunteering to do it, to be a helpful partner.

Another red flag.... the urgent time line... coupled with the total lack of information and assumptions of your advance total agreement. It's his timeline, not yours!

BTW... I'm not saying all this would happen or that he definitely planned it that way, just that the foundations were being laid that made it easier to happen, and when you traded in your house, you'd lose your backup.

Edited to add. But I do feel that when you pull out - there is a massive guilt trip coming your way. And all of it is based on not sharing information which is keeping you in the dark so you don't know what you are agreeing to. Conscious or not, its a worrying character trait, especially when such large sums and your whole future financial security (including finding a new job) are involved. It feels like you were expected to risk an awful lot on his say so.

GertrudePerkinsPaperyThing · 20/04/2026 09:44

TheAutumnCrow · 20/04/2026 09:40

I'm not surprised that you are thinking this way. You seem so relieved to have people agreeing with you that it's not a fair set-up that he's offering and expecting you to agree to, it was like seeing a weight fall from your shoulders overnight.

I'm pleased for you that you have thought this through, just in time, thus avoiding making a massive mistake.

And luckily for Big House Project Man, there is money to be made renting to (perfectly nice) lodgers. He'll be fine.

Yes that’s true - and he can have more lodgers because he has the rooms he set up for the adult DC.

Perfect.

Sadly for him he can’t make them do all his housework/ life admin/ elder care, and what ever else he has OP lined up for, but that’s life!

GertrudePerkinsPaperyThing · 20/04/2026 09:47

DuckbilledSplatterPuff · 20/04/2026 09:43

That was my first thought too!

Also OP,,, as you've already noted your alarm bells going off .. I found this line concerning
" I’ve asked for months what would be expected of me financially and how would the responsibility be divvied up and he kept being evasive"

Involving your Children, asking for their input on paint colours for spare bedrooms etc.. all sounds really thoughtful on the surface, until you pair it with the above sentance. Then I think it means that you are drawn into his project and feel obligated to him without it ever being spelt out exactly what your obligations are.. and you are only finding out now... So rather than feeling guilty about this move, I would regard it as very manipulative.

It's like him deciding you'd agreed to share the cost of a car, without even knowing what that cost is.. or the make and model and whose driving. Then there's the big reveal.. "But you agreed, I know you asked again and again and I didn't tell you the details.. but look you agreed and I let you chose the colour of the car seats."

It becomes even clearer when he wails.. "but if you don't comply I'll have to get a lodger!" Translation - He'd lined you up to be his lodger! Paying 50 per cent of everything, investing in HIS asset with zero housing security, having given up your own affordable home, affordable spending plans, and independence.

And as for including costs for a housekeeper and cleaner.. What is the betting that these would be traded if you complained about the high cost of your expected contribution. "I suppose we could economise by not having a cleaner etc if you were willing to do this, then I could take that amount off your bill. " Heck by that stage he might even have you volunteering to do it, to be a helpful partner.

Another red flag.... the urgent time line... coupled with the total lack of information and assumptions of your advance total agreement. It's his timeline, not yours!

BTW... I'm not saying all this would happen or that he definitely planned it that way, just that the foundations were being laid that made it easier to happen, and when you traded in your house, you'd lose your backup.

Edited to add. But I do feel that when you pull out - there is a massive guilt trip coming your way. And all of it is based on not sharing information which is keeping you in the dark so you don't know what you are agreeing to. Conscious or not, its a worrying character trait, especially when such large sums and your whole future financial security (including finding a new job) are involved. It feels like you were expected to risk an awful lot on his say so.

Edited

Yy re the cleaner - this also sounds like a thoughtful inclusion until you realise it’s a bargaining chip

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