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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:
NiceFalafels · 18/12/2016 06:38

Good news!

His plan is good. Give it a go, make it your own visually.

shouldwestayorshouldwego · 18/12/2016 07:42

I'm pleased that you have come to a comprise position. The other factor that you might consider is what stage all your friends are at. Depending on how old you both are you may find that if you are young that in a few years more of them move out of town when they have families but they haven't quite got there yet. It also depends on whether that is the culture of the city you live in. That might make it easier in time for him to accept if many of his friends move further out too.

On the other hand moving rurally do consider the current facilities of the area. You say that you work from home - would your clients be willing to travel to you? More likely if you have a job where they only come sometimes such as accountant compared to hairdresser which would be more regular. Will you attract new clients? I will (considering rewiews, personal recommendations etc) generally start with the business nearest to me. Where would the nearest childcare be for you? If you take long maternity leave can you find someone to cover the business easily in the new location?

The primary schools are good, but what about secondaries. What about bus/ train routes into city for bored teenagers? The school is 'brilliant' but have you visited it since you presumably left it. Do you like the school now and the ethos there? Living further out your choices of schools are more limited.

You should try to look rationally now at how the location would suit your potential future family. It is hard considering selling now. Even harder if you were ten years down the line, having lived there, children settled in school etc but then realise it doesn't quite work. Basically if you were buying a house from scratch, is that where you would buy one? It sounds as if you would be in a very strong financial position to buy a house almost anywhere so is this the place that would suit the future family best.

NameChange30 · 18/12/2016 07:57

Ah, so glad to read your update. I was worried about your DH being unsupportive but it turns out he is being supportive and is willing to give it a go. Good for him.

dangerrabbit · 18/12/2016 08:10

Just read the whole thread, Sorry to hear about your parents and glad you have come to a compromise Flowers

Joysmum · 18/12/2016 08:43

I've been in the same position as your DH twice. The first house was DH's grandfather's and is where we now live. It's harder once you are in to then say you want out after you invested in moving and your partner is even more emotionally attached. I didn't feel like it was my home for a good 10 years after moving in by which time we'd made it unrecognisable and each thing we changed up till then made us sad as you are wiping out family history.

Then DH's DF was diagnosed with dementia, he'd already gifted the house and was renting it back at full market value (tax planning) before we knew there was and issue with his health and the house was in the most glorious location but it was DH who knew from the start he didn't want to live there, having realised how much emotional baggage came with grampy's house plus we needed to use the rent to go towards dads increased care fees. So it was my job to clear it out and do up as a buy to let which I manage as dad was still alive at that point and there's no way DH was able to think about this with dad so ill. I'll also be the one project managing the renovations for sale when that happens too although that's more because I have quite a few over the years and have the time to.

I appreciate he's trying to please you by compromising but I'd advise to sell both homes and buy something you both choose together.

Kidnapped · 18/12/2016 08:52

"The fact remains that we are a very strong couple and in his words, "we'll get through this, no matter what."

That sounds very positive. Wish you both the best. Flowers

BrendaMarx · 18/12/2016 09:11

You already talk of your dh like he is a lodger with little share or say in the current house you're in. I don't blame your dh for wanting to buy a new property where he will feel like it is actually 'his', instead of moving into your inherited property where he is bound to still feel like a lodger.

Munstermonchgirl · 18/12/2016 09:13

Glad you've reached a compromise position for the moment. Maybe this will turn out to be a stopgap, and you'll make the transition to somewhere that's totally yours in a few years. This does sound a sensible decision from the practical and financial perspective, but I have to say I could never imagine moving
Info my parents home never mind my in laws, even though there may be many happy memories, it would never feel mine so I can totally get your dh's feelings

findthepositive · 18/12/2016 09:17

OP, at least he is willing to try to move in, which is a big compromise on his part.

This could carry unintended consequences... would you be prepared to move out again should he not feel happy. And what if you love it and he hates it? It could split you up.

Definitely see a solicitor in case it all goes wrong.

Hope you get to enjoy your mum whilst you can Flowers

Bluntness100 · 18/12/2016 09:23

I've made it clear to him that I would be more than willing to redecorate / remodel to make him feel more at home.

SixthSenseless · 18/12/2016 09:24

It's good that he is prepared to give it a go, OP.

Did he know you had this vision, all along?
Do you need your childhood memories as the basis for imagining a happy future?
Does your DH contribute to the mortgage? He is doing quite well out of all this; you bought the first house, you inherit a big house....
But maybe he now feels it's time for a 'both' house.
I hope it all works out.

Sorry about your Mum. Very hard.

YetAnotherGuy · 18/12/2016 09:41

OP, your comments were very thoughtful and it is really nice for once to hear what is actually happening. Too often, someone comes on here, asks some difficult question which people spend a lot of time replying to. And then - nothing

I've rarely read such a large number of diverging, considered views. At least you will now be aware of a number of significant issues

Ultimately, it's for both of you to work through

NameChange30 · 18/12/2016 09:47

I disagree with bluntness and I didn't interpret your words as meaning that you are insisting on making all the decisions. You were agreeing with him!

Dowser · 18/12/2016 09:55

So sorry you are going through this op.

I lost my mum last month. I haven't a clue about what I'm going to do with the houses I've inherited. It's all a bit overwhelming isn't it at a time when you are still grieving.

I'm giving myself a year before I make any rash decisions. Maybe you could do the same. Rent it out for a year then decide.

Quimby · 18/12/2016 10:00

"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..."

It's all family money on MN until it's not 😂

balence49 · 18/12/2016 10:09

My dh has lost both parents in the last 4 years... very traumatic time.

We inherited the house that he has lived in all his life. It's a much better house than we could have been in a position to have for a long time yet.

It was strange thinking about living in pils house.. but we used the chunk of money we also got to completely gut the house and started again with a shell. Then started again from scratch. Moved walls, new kitchen, bathroom, everything different.
We didn't want a shrine to his parents. So we made it into "our" home and I love it. My husband is settled and happy here now. We know his mum and dad would be over the moon to know our kids have the bedrooms here and can play in the garden. The elderly neighbors have all said how lovely it is seeing our children growing up here too.

Fishface77 · 18/12/2016 10:09

Can you please make sure the house Goes into a trust so your inheritance is protected.

nickelbabeinamanger · 18/12/2016 10:12

I'm with you, OP.
I personally would tell him he has no choice and that's what you're doing.
It's a waste of a good house.

But yes, definitely decorate it, new carpets, rearrange stuff etc to make it yours.
I don't get why he doesn't want to move to the suburbs! It sounds like he's scared of growing up.

We were in a similar position a few years ago, but it was dh's mum's house.
I wanted to move there and sell this one (it would have been a like-for-like sale though, as 3 other siblings), but he wouldn't, for a few reasons.... he thought he'd already lived tgere long enough "been there done that moved on"; it needed lots of modernization; no garage or off-street parking; busy road.
But it was ex-council house so really useful spaces! And a huuuuuuge garden!
But, in the end, this house is his house, he's paid for it, in his name, I have no claim on it while he's alive and we're not divorced, so ultimately it was his decision

balence49 · 18/12/2016 10:17

Also I'm not sure how it works if you keep separate finances... we don't, everything is joint and goes into one account. ( everything being dhs wage I'm sahm )
I have no idea what would happen if our marriage was to break up- not something likely I hope. But when all theose posts are coming saying to protect your inheritance I think if you are married it's all joint anyway really?

I would be very offended if dh had wanted to protect his from me! In fact he was put out when the solicitor filled out the change of name thing for the deeds only in his name, and was insisting it was redone to include me. If you don't yet have children maybe that's a different story.

SmellySphinx · 18/12/2016 10:52

Whilst the monetary value is obviously vastly different, saying "it's only bricks and mortar" is like saying "it's just a wooden jewellery box" "It's only a ring" "it's just a picture frame" "It's only a vase"
These things do all hold precious memories and it is a little insensitive to say so. I would echo what others have said and hold onto the house for a while after the inevitible :(

Saying that, a 5 bed property is a huge leap from a small 2 bed as far as looking after the place is concerned. Heating, electric, council tax, insurance etc etc. I can see both sides of your arguments but I think he is being very stubborn about wanting to stay so close to the city. It's 8 ? Miles and close to a great school. It sounds as though he doesn't want to take on such a big responsibility and is enjoying life as it is. I would also feel very lucky to be in his position to have the opportunity to, partly at least, own 2 houses of which he has only partially contributed to one of AND potentially no longer have to worry about debts.
I would feel like a guest at first moving into a partners family home, it can also be made your own in time.
The advantages for him seem to far outweigh the disadvantages considering it isn't 100's of miles away. Maybe his pride is playing a small part in his decision?

nickelbabeinamanger · 18/12/2016 11:22

I'm pretty sure the law sees it as her house, but if she died it would go to him.

leaveittothediva · 18/12/2016 11:53

I stand to inherit seems a bit sketchy to me. Have you actually seen the will. I'm sorry if I come across as callous but I've seen so many people who believe the will inherit a house, and when the day of reckoning comes its far from clear cut.its left one woman I know without a home. I mean you haven't mentioned who is going to care for your terminally ill mother, is she staying in her home. I'm saying this because having ill family members or elderly family members to care for can put a huge strain on relationships, usually because men only think of the impact on themselves and are quite inflexible about it all. The advice I'd give is that if you force him or try to cajole him to move to this house it will blow up in your face years later.

Werkzallhourz · 18/12/2016 12:26

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

This really jumped out at me. It's a very similar position to the one taken by an old friend's DH, a stance that, some eleven years later, has left her in a horrendous position in terms of schools and pick ups and drop offs, to the extent that she now spends five hours a day driving to and from different schools and cannot take a part time job.

I think it would be wise in the first instance to really scrutinise the properties available in your DH's "ideal zone" half way between your present home and your parents: price, cost, space, what the traffic situation is like, how long do they stay on the market, what the average condition, what schools and Gp surgeries are available etc. I'd do this for twelve months or more.

The reason I say this is that you need to know whether your DH's ideas about where you can live if you sell both properties are actually realistic and viable. They might not be, and that needs to be realised sooner rather than later. Do not underestimate the importance of schools, Gp surgeries, and rush hour traffic flows.

Again, as your DH has never done the buying a house thing himself, he might underestimate the expense and stress of moving somewhere that needs a new kitchen/bathroom/flooring etc. Your parents' house is a known thing, and I personally wouldn't underestimate the value of this. I would have thought twice about the house I live in if I'd have known how much work there turned out to be.

Another thing I'll just mention is that, sometimes, a reluctance to move to a more suburban area out of the city, to a more family sized home, can be driven by a a need to define yourself as different to your parents' generation or a desire to pretend that you are still young and "hip". In my experience, men tend to find it difficult to recognise that their life circumstances and considerations need to change when they start having families and those children grow up.

Werkzallhourz · 18/12/2016 12:44

I missed out a point I was trying to make... don't assume it will be easy to move again once you have either moved into your parents' or sold both properties to live in your DH's ideal zone.

I know an enormous number of people who have got stuck in properties that weren't quite suitable for them or their families, but believed they would be able to trade up at some point (and I live in the north, not the south east), a situation that became impossible as the house prices in different areas changed dramatically.

For this reason, I'd be more likely to go for a property in a known area.

EvenTheWind · 18/12/2016 12:46

Glad you have talked. Please seek tax advice on the various possible positions at the right time.

However, I agree that many posters are being harsh on the DH. If the asset being inherited was £400k or whatever in cash and the position was that the inheriting spouse then made a decision which house to buy without consulting the other as it was "her" money, I think people would be shocked, and that is effectively what is happening.