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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:
DuckbilledSplatterPuff · Today 13:39

BS Bingo: Marry Me.

(after he's run through all the other BS Bingo statements suggested above)

BeFunnyBiscuit · Today 13:40

Smittenkitchen · Today 12:54

Also, it's so bloody weird that he said that his parents wouldn't "get off scot free." This means not receive a deserved punishment. Such a peculiar way to look at one's parents and finances.

my spiritual mentor says: Just listen long enough to someone, all their real inner self comes out eventually....I am assuming the man is taking the POA for both parents and budgeting just enough carers and cleaners money as viable to his overall greedy plans, having in mind he calculated that his girlfriend will be both financing him and making up free hours of cleaning, caring and dog walking lol

GertrudePerkinsPaperyThing · Today 13:41

aquitodavia · Today 13:22

I'm interested to know how he thought you were going to pay for things day to day if he was taking all your money for the house/household expenses. Was he planning for you to have to come to him for money? As that would also imply financial control on his part.

I expect yes!

The whole spreadsheet is quite controlling too, as he’s included things on there for the OP to pay to him “up front” each month that most people would consider discretionary spending.

GertrudePerkinsPaperyThing · Today 13:42

DuckbilledSplatterPuff · Today 13:39

BS Bingo: Marry Me.

(after he's run through all the other BS Bingo statements suggested above)

Or more likely “let’s get engaged” but then refuse to plan a wedding

DuckbilledSplatterPuff · Today 13:45

also.. move in straight away means giving up your job in your own area now and selling your own house immediately, which you haven't renovated because you've been working on his renovations, doesn't it? (therefore not getting as much for your house as you could have)

Notice period at work.. time to stage house, instruct estate agents, have viewings, surveyors etc.. and exchange

He hasn't given any thought to your circumstances at all.., its all about... I need you to start contributing now.

Fiftyandme · Today 13:49

NOPE.

Madarch · Today 13:49

Secretseverywhere · Today 11:00

I don’t think OP is delusional. I think it’s unreasonable to expect a person not on mortgage to pay half the costs. Half the interest payment is fair but not the capital repayment.

Interest is heavy loaded at the front end of any loan so if OP was expected to pay half the interest, she'd be well worse off!

Silverbirchleaf · Today 13:52

i wonder how soon he’ll find someone else to
move in, and become his friends with benefits, financial and otherwise.

BS bingo -
…but I thought you luv-ed me

… You’ve been stringing me along

… emotional manipulation - threats of depression, not being able to live with you, self harm etc

BridgetJonesV2 · Today 13:53

At least he's shown you his true colours before you were more committed.

I do wonder what on earth goes through some men's heads at times.

BeFunnyBiscuit · Today 13:55

Silverbirchleaf · Today 13:52

i wonder how soon he’ll find someone else to
move in, and become his friends with benefits, financial and otherwise.

BS bingo -
…but I thought you luv-ed me

… You’ve been stringing me along

… emotional manipulation - threats of depression, not being able to live with you, self harm etc

nah...he deserves one still good looking not very young but youngish Russian who knows her mind to come and get him married to her and charm him and until he realises , she will be in his will, in his parents will and her kids will get everything ...as we say in my country, he has not met his master yet

CaribbeanChaos · Today 14:11

Offer to split the bills 50/50 but never pay towards a mortgage that your name isn’t on.

sillygoof · Today 14:16

I’m assuming that anything his parents pay would go towards his 50% - so you’d be paying more of the costs than him.

I wouldn’t be waiting to do this face to face though to be honest - I think you should end it asap.

harriethoyle · Today 14:32

HolyCheeses · Today 09:08

My close friend used to describe tricky situations akin to wading through custard….☺️

My DH once described seeing me complete the last mile of a half marathon as like "watching a sloth wade through treacle"...

RUDE!

Planesmistakenforstars · Today 14:45

harriethoyle · Today 14:32

My DH once described seeing me complete the last mile of a half marathon as like "watching a sloth wade through treacle"...

RUDE!

My DP said to me, "It's weird how you move your legs really fast, but don't really go anywhere." Fucker.

harriethoyle · Today 14:47

Planesmistakenforstars · Today 14:45

My DP said to me, "It's weird how you move your legs really fast, but don't really go anywhere." Fucker.

😂😂😂

AdarajamesAgain · Today 14:49

Op, bloody well done!

How refreshing to have an op that actually takes note of the advice given and prioritises herself and gets rid of the useless piece of male that's dragging her life down! Good on you!

Highlighta · Today 14:52

BB:

How can you do this to me.
I thought you said you loved me.

OliveToboogie · Today 14:53

Expecting you to be worse off than you are now is crazy and selfish. What happens if the relationship ends??? You could find yourself homeless and broke. Stick to your plan and keep your own home sounds like he wants you to help pay off his mortgage with very little in return.

VickyEadieofThigh · Today 14:57

Greenaeonium · Today 13:20

On my BB card are:
”you won’t get a better opportunity to live somewhere like this”
“look what you’re throwing away”
”how ungrateful- I was doing it for us”
and for a full house
”why didn’t you say?”

Shamelessly hoping you’ll start another thread for the outcome when this one fills up 😬…
You are a legend OP … this one deserves its place in “classics”

I reckon the CF is the Mexican House Thief...

bigboykitty · Today 14:59

HolyCheeses · Today 12:06

So clever vipers

bullshit bingo? Responses after I tell him? I want to do it in person which won’t be until next week.

im going for

but I did this all for you and us - for our future

BB - I can't believe you've let me down like this...

SpryCat · Today 15:01

BB
You won’t find a man that will ever love you as much as I do!
You’ve deceived me I would’ve bought a smaller house had you told me the truth!
You will die a lonely old lady because you push everyone away!
You will look back on this in years to come as your biggest regret! I could’ve made you the happiest woman alive!
or
You’re judging me as though I’m like your exH, you need therapy to get over your past!

MyMonthlyNameChange · Today 15:02

GertrudePerkinsPaperyThing · Today 13:42

Or more likely “let’s get engaged” but then refuse to plan a wedding

I was going to say the exact same thing.

He will either propose (maybe even with a nice rock that you will somehow end up paying for later down the line) but you will never actually get married...

...or he will tell you that he'll lose the house and he and his parents will be homeless because of you, you big meanie and it's all your fault.

SpryCat · Today 15:04

BB
Its too late to back out now!

shhblackbag · Today 15:05

HolyCheeses · 19/04/2026 23:53

That’s what I’m starting to think

he’s baffled I’d prefer to stay in my little terrace rather than his big detached mansion- so I can afford to actually live !?

You're answering your own question. Stay where you are.

bigboykitty · Today 15:06

BB - I had no idea you were so mercenary!

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