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Paying off DH mortgage when kids and stepkids involved

59 replies

Cassavaflower · 24/09/2022 14:18

Hello
I have the cash to pay off my husband's mortgage. We are recrntly married and he has two young kids from previous marriage, I have a grown up but heavily dependent son. Should I keep my inheritance from my late parents and buy a separate property for my son or pay off the mortgage. I'm concerned that if I died suddenly my son would be left with nothing. If I pay off the mortgage it means I've paid for 90per cent of the house and so that money would be lost in a sense but it would free up my DH salary esp as interest rates rising.
It's confusing so sorry if it makes no sense. Has anyone else been in this position.
Thanks

OP posts:
Cassavaflower · 24/09/2022 22:11

Yes @babba2014
Money changes people. At the moment I can't imagine my husband doing anything to hurt me but he might need money for his own two kids and who knows. My late father was a very religious man adhered to all Islamic law except he left me an equal share of the inheritance not half of my brothers share as per Islamic ruling.
The house badly needs the eor

OP posts:
Cassavaflower · 24/09/2022 22:12

Work doing.
I don't know why that magically posted 😕

OP posts:
babba2014 · 24/09/2022 22:18

Yes it's with a lot of things in Islam, people don't tend to follow all of it nowadays but read up the consequences of not following it Islamically.
If your brother has waived it off that's a different scenario.
This is why scholars encourage parents to sort it out during their lifetime (we are supposed to sleep with a will nearby, so not just in old age, as soon as we are adults really) as when alive, children must be given equal.
In previous times men would look after the women but now a lot of people don't. This is why it's highly encouraged to sort it out during lifetime.
Hence the whole put it in a trust thing but even then Islamically you'd have to make your son the 100% owner of it otherwise after death your husband will be entitled to a quarter. Obviously he has money and a house already but people change their ways.
Eg I've seen very recently that someone was given money whilst parents were alive and as soon as their parent passed away, they demanded the family to do the right thing, despite not being religious Islamically in other ways.
The parents ideally should have sorted everyone out when alive. This would have avoided so much heart break after.

You could buy a house and rent it out, take income from it and decide how much you own and your son owns etc. There's lots to talk about.
I recommend contacting a reliable scholar for options.

Hotandbothereds · 24/09/2022 22:38

My well paid job is no more and I sold my house.

Do you have the proceeds from the house sale? Can you use that to ring fence a home/inheritance for your DS?

Nik2015 · 24/09/2022 22:41

This!

TwinkleChristmas · 24/09/2022 22:41

No way.
Buy your son a property.

Nik2015 · 24/09/2022 22:42

CatchersAndDreams · 24/09/2022 16:19

Buy your son a flat and rent it out. Buy it in his name.

Don't put money into your partners (he's not your legal husband) property.

This even!

allboysherebutme · 24/09/2022 22:43

Keep it buy separate property. 100%. X

ChampagneCamping · 24/09/2022 23:30

buy something for your son. A two bed place so potentially you could move in with him if needed.

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