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Mumsnet has not checked the qualifications of anyone posting here. If you need help urgently or expert advice, please see our domestic violence webguide and/or relationships webguide. Many Mumsnetters experiencing domestic abuse have found this thread helpful: Listen up, everybody

I stand to inherit parents' house but DH is refusing to move into it - WWYD?

189 replies

RubyEyes · 17/12/2016 20:48

Apologies, this is long ...

I've been with DH for 7 years, married for 3 and we have a great relationship. We live in a modest 2-bed terrace in an ok-ish area about 1.5 miles from the city centre, which I bought on my own with a mortgage in 2004. When I moved into the house I never envisaged I'd still be in it all this time later - it was very much a house that suited my 20-something single self. I now work from home in a job I love far more than my old 9-5, and the second bedroom is used as an office - we really want to TTC, but one of the main reasons we haven't so far is because the house doesn't suit our needs - I can't work without the spare room (in which I practice on clients during the day) and since DH moved in, every room is full to the brim – he uses that room as an office too as he has a job with a lot of additional work in the evenings. We'd love to be able to move to a house with more bedrooms and in a nicer area for kids to grow up in (the schools are terrible where we live) but DH has a poor credit rating and now that I'm freelance, mortgage lenders aren't willing to take a chance on us. I also have a large amount of debt which I accumulated before meeting DH but after buying the house during a time when I was unable to work due to illness - this is another reason why I've delayed motherhood as I don't know how I'd cope with the debt repayments while on maternity leave - DH earns enough to cover the bulk of our living expenses, but not the debt as well.

My DF passed away and now my lovely DM is terminally ill. We're really close and it's an extremely stressful and horrible time for me. As their only child, I'm in the incredibly fortunate position (although it's hard to see this through the stress) of standing to inherit their house outright - it's the home I grew up in and one which my parents have owned since their marriage 50 years ago - it's approx. 8 miles from where we live now, separated from the city itself by greenbelt and 3 miles of A road. It's a picturesque area with a brilliant school and the house has 5 bedrooms and an office. It's very modern inside, needs no work doing to it and is worth approx. 4 times as much as our current house.

I had a wonderful childhood and my parents' home holds countless happy memories for me. I'd always imagined that I'd go back to live there one day although it's never been something I'd particularly talked about with my DH, mostly because it seemed callous to entertain the thought of gaining from my parents' deaths when they were very much alive.

Today however, with my DM's situation playing on my mind, I broached the subject of what would happen to the house with DH. When I expressed my wish to live in it he looked utterly horrified. He said there was no way he wanted to live so far from the city centre where his friends and work were (it would be a 5 mile drive to his work, whereas now it's a mile which he walks) he thinks the area is "too snobby" (yes, it's affluent, but I don't equate the two in the way he does) and he wouldn't want to live in a place surrounded by parents’ memories - he wants us to have a place of our own.

To me, it's a no brainer - move into my parents’ house and sell our current one (which is in my name, although technically it’s ours given that we’re now married and he contributes towards the mortgage). There's 80k equity in the house and releasing this money would clear my debt and give me the freedom to take maternity leave without worrying about rushing back to freelance work. There would be a sizeable chunk left over after this, which we would be able to save or use to make any changes to my parents' house and make it our own.

He's adamant he doesn't want to move there - although he would never tell me what to do, he thinks it would be best for us to sell both houses and buy somewhere new - preferably still close to the city centre. He can't understand why I won't go for this as it would still enable me to pay off debt, have more flexibility around starting a family, etc. FWIW I really hate living so close to the city and only really saw it as a temporary stopgap before moving somewhere greener again, whereas he has lived in cities all his life and said he would feel isolated moving so far out - it's hardly the sticks!

I'm trying my hardest to respect his feelings and we've always has a very respectful relationship where we make decisions together, but we appear to have hit a brick wall. DH just doesn't get how much it means to return to the house so steeped in happy memories for me. He thinks it's daft because it's only bricks and mortar, but to me it's so much more than that. It's a place which symbolises security for me and it represents my parents' parting gift to me - there's nowhere else I'd rather live.

I told him there was no way I could bring myself to sell their home - he suggested renting it out, but then we'd still be stuck in our small house with no capital released to buy somewhere to have a family and I'd still be saddled with the debt (although arguably paying it off quicker due to rental income). Plus I don't like the idea of strangers living in my family home when I want to live there so much. There would also be the issue of what to do with my parents' furniture and belongings - some could be sold but certainly not all and what remains won't fit into our already crammed house, so we'd be looking at costly storage solutions.

So how the hell do we reach a compromise? I don't feel I can budge on option 1, he feels the same about option 2 and option 3 is completely unworkable.

Am I being precious? Is DH being selfish? We rarely disagree let alone argue and I don't want to end up arguing over this, especially with the grief to come when my DM passes.

Have any of you been in a similar situation to this and what did you do? I feel I have lost all perspective.

OP posts:
Kidnapped · 17/12/2016 21:55

Is anyone else getting irritated by the 'no brainer' stuff? Grin

The OP's husband is entitled to feel how he feels about it.

If it were a man posting about how his wife should move into his own parents' house and be happy about it despite the fact that she doesn't want to live in that house or in that area then I suspect that the responses would have less of the 'no brainer' stuff about them.

AnnieAnoniMouse · 17/12/2016 21:56

There are several issues here (as others have said).

Firstly, there's no way I'd sell my family home if I didn't want to, it's not something you can 'undo'. You've lost your Dad 😢💐 and will lose your Mum 😢💐. You're an only child. My advice - hold onto the house & the way it makes you feel - safe, secure & happy, for as long as YOU want to. For you it sounds like an ideal forever home.

I'm sure in most ways your DH is lovely, but marriages break down. How would you feel if you sold your family home because he didn't want to live in it, then for some reason you divorced? Put bluntly, what if just after you sold it, you found out he was cheating on you? How would you feel then about having sold your family home?

You can only ever count on you. Your parents are giving you an opportunity to have a secure future. Think VERY carefully before you sell it because of where someone else wants to live. DH or not.

I'd also get an agreement that the deposit on your house is YOURS and the inherited house is YOURS.

YOU bought the house you live in now - not him.

He has a bad credit rating.

YOU are inheriting the house - not him.

He doesn't have a deposit & can't get a mortgage...

I know it's not romantic, but given the divorce rate, essential. Especially with someone acting so entitled & insensitve.

Then, as others have mentioned, irrespective of the house you live in, he wants city, you want village. It's only 5 miles from his work, it's nothing. It's not like it's a remote island.

It's horrible of him to say 'it's only bricks and mortar' when it's clear that to you (and most of us!) it's not. It's your FAMILY HOME with lots of memories and one way to feel closer to your parents and you cannot knock that when you no longer have them.

My friend moved into her parents home when she inherited it (also an only child), they put an extension on it (from the proceeds of the sale of their house) and redecorated, moved an internal wall, but left some very retro doors in it and a few other things her Dad had built/done. They have three kids and it's very much their home, but with lovely memories too.

She earns a lot more than her DH, he hasn't inherited anything, and wouldn't get a mortgage. He APPRECIATES how bloody lucky they are to have inherited a house and because he's not an arse he's not complaining that his inlaws lived there or that it's 4 miles further to work. He definitely feels it's their HOME.

This is one of those times in your life when you need to think about what YOU need 💐

SapphireBird · 17/12/2016 21:59

We are in a similar, yet different position. We will probably buying my IL's house - they will use the money to downsize and have some spare to live off. It's the only way we would be able to move into that area. It's not an inheritance, and BIL is happy for us to go through with this.

I have had mixed feelings , but mostly around my worry about them taking offence if I want to change anything (which I will definitely want to do to make it mine, not because I don't like anything).

I also worry about dh's memories being there and having to turn it from being 'theirs' to mine/ ours.

The last worry is that other people might feel an 'ownership' over it - that BIL might feel that he ought to be allowed to stay with us as it used to be his house as well... I will be changing the locks (but that will cause rumblings!). That when they visit, they will feel so at home that they might be less thoughtful of our personal space etc.

This rambling post is really to say that I am willing to give it a go. Once we are in the area, we could sell up and buy something else in a way we couldn't just do now.

I have to go into this with a long term view - if I think that I'm trying it out for 2 years and then deciding that I won't actually make it mine for those two years.

shinynewusername · 17/12/2016 22:02

It's not actually compulsory to move outside the city centre to breed - some people even manage it within the sound of Bow bells Wink

You sound keen to reproduce your own childhood, OP - which is totally understandable in the sad circumstances. But lots of people view the big house in the burbs option as a living death and your DH may be one of them. Both your views are equally valid so you will need to compromise.

I don't see why - as some PPs are suggesting - he should get less say just because you have had the financial good fortune to inherit a house and he hasn't (and I don't mean that unkindly - I know how incredibly painful it is to lose a parent). If one of you earned more, I doubt posters would say that the higher earner should get to choose the house.

DeepanKrispanEven · 17/12/2016 22:02

I'm with your DH, I think. I would never have wanted to move into my PILs' house - it's a perfectly nice house, I liked the PILs, and it would be fine so far as location goes: but it would always feel like someone else's home, no matter how we redecorated it, and I would feel that I was having to live up to MiL in terms of keeping the place nice, not tainting DH's childhood memories, etc. I think you need to sell and move somewhere far enough out of the city to satisfy your desire for somewhere more green, but close enough to keep your DH happy.

I know this must be an incredibly emotional time for you, but you do need to remember a house is only bricks and mortar - what matters is the people inside it.

NiceFalafels · 17/12/2016 22:05

Also when you have kids, you really do want them to be in a nice environment. Those babies will soon be 10 years old and walking to school and their friends houses on their own. A low crime area gives peace of mind

baconandeggies · 17/12/2016 22:06

Fantastic post AnnieAnoniMouse - I completely agree.

BackforGood · 17/12/2016 22:07

I completely understand your dh's feelings. Once again he would be like a guest in your home, rather than in his own home.
I think your best move would be to sell both and buy something you can both love.
Start looking now. Start thinking about what you both (individually) feel you need , what you both (indiviually) would like, and what you both feel you can't compromise on. Talk together about dc, about how life is then different, about how things like schools and gardens become important, etc., and talk about how there is probably never 'the one perfect solution' when you are coming from different perspectives but that, together , by looking at lots of options, you can find what is really important to you as a couple.

1horatio · 17/12/2016 22:08

everything mouse is saying

Seriously, I couldn't add anything else!!

NiceFalafels · 17/12/2016 22:08

The other option is getting a mortgage on your parents property to pay the inheritance tax. And remaining in your house until it's unbearable. Refuse to sell your parents house. It's a lucky windfall for him as he's acquired both houses with no effort.

MarciaBlaine · 17/12/2016 22:08

Your mum is still alive but Ill and you are already fretting about her house, her home? Jesus Christ.

NameChange30 · 17/12/2016 22:11

I think you're being very unfair to the OP.
I think the idea of moving into her parents' house is a source of comfort to her as she has already lost one and is losing the other.
It's a tangible way to feel she won't lose them completely.

NiceFalafels · 17/12/2016 22:11

Marcia. OP feels she wants to stay close to her parents and maintain childhood memories.

Frouby · 17/12/2016 22:13

I think yanbu. Purely because the stage of your life wants and needs a family home. In a family type area. You want to put down roots. Your dh seems to want to be a mile from the 'action' of a city centre.

I had a similar issue a few years ago. I could take on a property on the outskirts of town, 8 miles from where we lived. Nice little villagey estate. Better schools and so on. Dp dug his heels in and wanted to wait. I don't know what he was waiting for as the house we had lived in was too small, too old, too cold and too damp. Plus the area was deteriorating rapidly.

I told him I was moving. He could come with or stay. And we already had 2 dcs. He came with and now loves where we live.

As a compromise could you afford to rent out your current property for a period of say 6 months? Live in the inherited property and prepare it for either sale or for you to live there permanently? See how the house and area suits you both? You will have a lot of stuff to go through I would imagine and it will take a while to feel ready to do that. Plus your own property to sort out.

Maybe he will love it. Maybe you will decide you are on different pages and not be able to reconcile that? I dont know but I definitely wouldn't be selling your mams home in 2017. Give yourself time to grieve properly for them.before you make any major decisions.

And I am afraid I would try and protect your mums house in some way too. If you can't decide on this and it leads to a split or divorce then he will inherit half the property/assets. Is your mum able to tie it up in trust or anything or is she too ill? Sadly if I ever have significant assets to leave my dcs they will be tied up in such a way to try and protect them from divorces.

EmNetta · 17/12/2016 22:14

Have to agree with Annie. Losing both parents will be a bad experience, and sometimes one feels unable to sustain yet another loss at that time, so I'd keep your old family home, at least for the first six months or so, and only sell if and when you're absolutely sure you'll be ok without it.

It's a shame your DH's background seems to be so different, but I think it's time for him to be brave (and practical).

BeezerBubble · 17/12/2016 22:14

shineynewusername The point being its only 5 miles from his work, zero hassle. So what he finds the area too snobby. He's landed on his feet, no financial worries ever and he's bleating about his mates and work and memories. Might feel awkward for the poor snowflake for a while but it sounds an ideal setup for the op. I'm male by the way.

DinosaursRoar · 17/12/2016 22:16

I would definately look at the moving there for a set time at which you reassess plan.

Another thought - does your DH feel like your current home is his home? Because he moved into a house that was yours, it must have been strange at first moving into your home, but he made it his home too after a while, and now he doesn't want to leave. It could be once he's in your parents house, having painted a bit, put your stuff in it, moved things around etc, he'll feel like this is his home too, whereas now it feels like his MIL's home.

shinynewusername · 17/12/2016 22:16

I'd also get an agreement that the deposit on your house is YOURS and the inherited house is YOURS

This is wishful thinking - this sort of agreement is unenforceable in England & Wales. If they both move into it, it will be treated as as the marital home in the event of a divorce. Her DH would certainly be entitled to part of the value, which will mean selling it unless she can buy him out, though she might be able to stay until the children leave school. She is much more likely to have it treated as hers alone (though there are no guarantees) if they don't move in and she rents it out.

saffronwblue · 17/12/2016 22:16

When my inlaws passed away we briefly considered buying out his siblings and moving into the family home, which was in a lovely innercity trendy suburb which is hard to buy into.. I was adamant I did not want to because;

  1. it was significantly smaller than our current home
  2. I knew DH would treat it as a shrine and assume that every room would stay the same as in his parents' day.I never felt at home there as a visitor and could not imagine it as my home.

So we sold it and DH and his siblings each got a nice cash inheritance. He occasionally says that we rushed this decision and he wishes we had taken more time to think about it. We may well end up living in his parent's area when the DC grow up and we downsize.

However, I think in your situation you should try to hang onto the house. Whatever you do, don't sell it when you are raw with grief as this will intensify the loss. If you both want children the house sounds like an ideal setting to grow your family and to give your family a solid financial base. Offer him the house as a blank sheet to choose how the rooms are disposed, how it can be renovated etc.

What a hard time for you to be going through - hope he is giving you the support you need.

Biscuitsneeded · 17/12/2016 22:16

So sorry OP. I think though that now isn't the time to make this decision. Your feelings about the house are inextricably bound up with the loss you've already experienced and the one you have still to face. Only time will tell whether you want to live in the house because it is really the perfect house for you or rather because of what it represents in terms of security, stability and happy memories. I completely understand your longing to recreate your happy childhood in that house but I can also understand why your DH might not feel this was a forward move for both of you. As a short-term compromise, could you afford to and bear to rent your parents' house out? A 5 bed family house in good condition and near a good school should be easy enough to rent out, and you could use the income to help you both to buy a joint house that is more of a compromise - eg a 3 bed house that is still in the city but nearer to green spaces and better schools, and allows you to start a family. You might find that once he's a father your DH's priorities shift a bit - but in my experience it's better to let men realise this kind of thing themselves than to try to convince them whilst it's still theoretical! Or you might find that a new area that's a different experience for both of you feels right in the end. Good luck and I wish you strength.

MrsBlennerhassett · 17/12/2016 22:18

do the same thing he appears to have done to you and tell him living there is only for the foreseeable future until you find somewhere better in the area he likes. Then after a while of living there let him know you have absolutely no intention of leaving that area and he should just get on board with what you want.......

Im not sure id like living in my in laws house too much if my partner inherited it.... however id realise how bloody lucky i was to have such an opportunity and if it were very important to my partner who was the reason any of this house ownership was happening to me anyway, then id just make the best of it and try to make his family home, our family home.

Then maybe if id given it a damn good try and it just wasnt working out, just then i maybe would suggest selling it and buying a new one together.
But i do think you have a go first before dissmissing outright the offer of a free house to live in that has emotional ties for the person you love.

Viviennemary · 17/12/2016 22:18

You have to try to come to an agreement which is acceptable to you both. He shouldn't be made to feel you hold all the cards. I don't think somebody should be made to live in a house they're not comfortable with. Try to get to the bottom of why he doesn't think this is a good idea. The one mile/five mile thing sounds like a pretty feeble reason.

shinynewusername · 17/12/2016 22:18

There is a big difference between walking 1 mile vs having to drive everywhere, Beezer. And kids enjoy being in walking distance of a town as soon as they have some independence. I grew up in the arse end of nowhere and hated being dependent on my DP for lifts. I really envied my friends who lived in towns.

WrongTrouser · 17/12/2016 22:18

I disagree with Annie and I don't think your DH is acting in an entitled and insensitive way. It's his life too.

A marriage has to be about two equals. If you can't consider your DH's wishes for your future life together as being just as important as yours, then it's a poor look out. But as I said before, I think the timing is wrong to be having this discussion with your DH - too many issues are intertwined and no decision needs to be urgently made and emotionally it is the wrong time.

bojorojo · 17/12/2016 22:20

This is an "only child" problem really. Most families with two or more children have to sell the family house to allow the siblings to access their share of the estate. My DH was an only child but wild horses would not have dragged us into his family house. I think where a house has been owned by the same family for generations, that is different, but there is something a bit weird in wanting to move back to the family home. It is not a grown up decision. It is reliving the past and trying to recreate it.

It is also not a decision that should be made at this moment in time. It is too emotional. Take the inheritance, pay any tax due (easy to work out if you will owe this or not but can be tricky paying it if there are insufficient liquid assets), and take your time. You should very much consider your husband's views. Assuming you want to stay with him. I get a slight feeling that you are not really sure what you want at the moment. It is far too early to be making a decision about what to do with this house though.

Most married couples make joint decisions. It is easy to get a legal document drawn up as to who put what money into the marriage and assets. This shows any divorce settlement what your intentions were but many couples have unequal amounts of assets upon marriage and during marriage. However, marriage is about compromise and this is what I would try and do. If your family has been in the house for generations, then I might think differently but a house in a suburb is not likely to be in this category.