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Original poster

whether to add fiancé to deeds of house

92 replies

hilbil21 · 16/02/2016 20:58

Another thread has prompted me to post and just wondering what you guys think is for the best.

My mum passed away last year and I have inherited her house on which the mortgage is fully paid off.

My fiancé, 11 month old son and myself have moved in and fiancé is paying to decorate etc and also pays all bills as I don't work.

Am I being fair not having him on the deeds??

OP posts:
PurpleDaisies · 16/02/2016 20:59

Are you both happy with the situation? I'm not in the seeds to our house (we are married) but I'm not worried. When wec I've the new house will be in both our names.

PurpleDaisies · 16/02/2016 21:01

I don't know what's gobs wrong with my autocorrect lately-when we move the house will be in both our names.

lighteningirl · 16/02/2016 21:02

I wouldn't sorry but I just wouldn't once your married it won't really matter whether or not he's on the deeds. Go and see a solicitor and you can talk thru all the options in a non emotional way.

CallieTorres · 16/02/2016 21:02

why dont you do it when you get married? then you are protected if it doesnt work out? (which i'm sure it will)

Original poster
hilbil21 · 16/02/2016 21:04

Yeah you're right solicitor probably the best way to go. My thinking is if marriage didn't work and we were both on the deeds, then if we split - I would have no way of buying him out and could lose the house my mum and dad left me in a great position with? If that makes sense X

OP posts:
Bragadocia · 16/02/2016 21:04

What does your fiancé feel about it? Yes, he's making all the financial contribution to the relationship, but that's what happens when one of you becomes a SAHP. On the bright side, his wage only needs to cover bills - not paying rent or mortgage is a great position to be in when there is only one earner.

Original poster
hilbil21 · 16/02/2016 21:06

He's happy with it. It's me that thinks he's getting a raw deal somehow X

OP posts:
Flanks · 16/02/2016 21:11

Leave it as it is. Make your will clear that should you still be married and predecease him then he receives the marital assets as per usual.

Aside from any sort of 'feeling better about it' things, I fail to see a reason to change the deeds at all. It is a lawyer fee for no actual change in circumstances. If there is a mortgage on the house, or an application in the future, then it becomes more complicated with two people unless you need to combine your incomes for the application.

peggyundercrackers · 16/02/2016 21:24

Surely if you get married the house will become a marital asset which he will be entitled to anyway... Unless you sign some kind of pre-nun.

Yseulte · 16/02/2016 21:27

What Peggy said.

tribpot · 16/02/2016 21:28

Yes you need to talk to a solicitor if you want to exclude the house from becoming a marital asset. I think a frank discussion about money is probably overdue.

Original poster
hilbil21 · 16/02/2016 21:28

Peggy if that's the case (I'm pretty clueless as didn't expect to be in this position!) then I will just deal with it as normal X

OP posts:
tingon · 16/02/2016 21:44

OP, your mum has given you a wonderful safety net, protect it wisely.

Some legal advice would be sensible before you marry.

Original poster
hilbil21 · 16/02/2016 21:48

Tingon her estate is currently with the lawyers. Think when I go in to sign final papers I will arrange an appointment to discuss this. X

OP posts:
magoria · 16/02/2016 22:15

Can you and your DP get a document drawn up so that he has a right to stay in the property but it passes to any of your DC if you die in the next 5 years or so?

You can always change this at a later date if you agree. Or if you move the new home becomes a marital asset?

Offred · 16/02/2016 22:21

You need to speak to a solicitor. You need a prenup pre marriage and advice re whether him doing work on the house gives him a beneficial interest.

Original poster
hilbil21 · 16/02/2016 22:23

Solicitor it is. Thanks everyone X

OP posts:
Offred · 16/02/2016 22:23

I do think though you should think about what would be fair, you want him to lose his home and any claim on it if you divorce but he will still need to contribute his part (financial support) seeing as you are a SAHM... It's a bit mean spirited but I can understand you feelings about your mum's legacy.

Original poster
hilbil21 · 16/02/2016 22:32

That's the thing offred I'm totally torn. It feels unfair but I would hate to lose what my mum and dad worked for. He is living here "rent" free I guess X

OP posts:
Allalonenow · 16/02/2016 22:34

Protect the property your mother left you, which will be a valuable asset for the rest of your life, something that cannot always be said of the man in your life.

Familylawsolicitor · 16/02/2016 22:39

This reply has been deleted

Message withdrawn at poster's request.

WhoaCadburys · 16/02/2016 23:49

'I don't know what's gobs wrong with my autocorrect lately' Grin

TheNaze73 · 16/02/2016 23:51

hilbil21 I would feel like you do as he's paying for everything

Keeptrudging · 17/02/2016 00:06

He's not paying any rent/mortgage though. Could he set up a savings account and put the equivalent amount in there so he has his own security?

areyoubeingserviced · 17/02/2016 00:10

Protect the home.
Definitely speak to a solicitor.

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